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Magic Software Enterprises Ltd.

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FY2013 Annual Report · Magic Software Enterprises Ltd.
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SECURITIES AND EXCHANGE COMMISSION
Washington D.C. 20549
FORM 20-F

OR

(cid:95)

(cid:133)

(cid:133)

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 
For the fiscal year ended December 31, 2013

OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 
For the transition period from ___________ to ___________ 

SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 
Date of event requiring this shell company report

OR

Commission file number: 0-19415

MAGIC SOFTWARE ENTERPRISES LTD.
(Exact name of Registrant as specified in its charter
and translation of Registrant’s name into English)
Israel
(Jurisdiction of incorporation or organization)

5 Haplada Street, Or Yehuda 60218, Israel
(Address of principal executive offices)

Amit Birk; +972 (3) 538 9322; abirk@magicsoftware.com
5 Haplada Street, Or Yehuda 60218, Israel
(Name, Telephone, E-mail and/or Facsimile number and Address of Company Contact Person

Securities registered or to be registered pursuant to Section 12(b) of the Act:

Title of each class
Ordinary Shares, NIS 0.1 Par Value

Name of each exchange on which registered
NASDAQ Global Select Market

Securities registered or to be registered pursuant to Section 12(g) of the Act: None

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act: None

Indicate the number of outstanding shares of each of the issuer's classes of capital or common stock as of the close of the period covered by the annual report:

Ordinary Shares, par value NIS 0. 1 per share…………..37,155,355 (as of December 31, 2013)

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes (cid:133) No (cid:95)

If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the 
Securities Exchange Act of 1934.

Yes (cid:133) No (cid:95)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during 
the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for 
the past 90 days.

Yes (cid:95) No (cid:133)

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be 
submitted and posted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the 
registrant was required to submit and post such files).

Yes (cid:95) No (cid:133)

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of accelerated filer and 
large accelerated filer in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer (cid:133)

Accelerated filer (cid:95)

Non-accelerated filer (cid:133)

Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:

U.S. GAAP (cid:95)

International Financial Reporting Standards as 
issued by the International Accounting 
Standards Board (cid:133)

Other (cid:133)

If “Other” has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow:

Item 17 (cid:133) Item 18 (cid:133)

If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes (cid:133) No (cid:95)

This annual report on Form 20-F is incorporated by reference into the registrant’s Registration Statement on Form F-3, File No. 333-192241 and into the 
registrant’s Registration Statements on Form S-8, File Nos. 333-13270, 333-113552, 333-132221 and 333-149553.

INTRODUCTION

We  are  a  global  provider  of  proprietary  application  development  and  business  process  integration  software  solutions  and  related  professional  services,  and  a
vendor of IT outsourcing services. Our software is used by customers to develop, deploy and integrate on-premise, mobile and cloud-based business applications 
quickly and cost effectively. In addition, our technology enables enterprises to accelerate the process of delivering business solutions that meet current and future
needs  and  allow  customers  to  dramatically  improve  their  business  performance  and  return  on  investment.  With  respect  to  IT  outsourcing  services,  we  offer  a
complete  portfolio  of  professional  services  in  the  areas  of  infrastructure  design  and  delivery,  application  development,  technology  consulting  planning  and
implementation services, support services and supplemental staffing services. We have approximately 1,300 employees and operate through a network of over
3,000  independent  software  vendors,  who  we  refer  to  as  Magic  Software  Providers,  or  MSPs,  and  hundreds  of  system  integrators,  distributors,  resellers,  and
consulting and OEM partners. Thousands of enterprises in approximately 50 countries use our products and services.

Our product offering includes Magic xpa, an application platform for developing and deploying business applications, AppBuilder, an application platform for
building,  deploying,  and  maintaining  high-end,  mainframe-grade  business  applications  and  Magic  xpi,  a  platform  for  application  integration.  These  products
enable our customers to improve their business performance and return on investment by supporting the affordable and rapid delivery and integration of business
applications, systems and databases. Using our products, enterprises and MSPs can achieve fast time-to-market by rapidly building integrated solutions, deploy 
them in multiple environments while leveraging existing IT resources. In addition, our products are scalable and platform-agnostic, enabling our customers to
build  solutions  by  specifying  their  business  logic  requirements  in  a  high-level  language  rather  than  in  computer  code,  and  to  benefit  from  seamless  platform
upgrades and cross-platform functionality without the need to re-write their applications. Our technology also supports the development of mobile applications
that can be deployed on a variety of smartphones and tablets, and in a cloud environment.

We  sell  our  products  globally  through  a  broad  channel  network,  including  our  own  direct  sales  representatives  and  offices,  independent  country  distributors,
MSPs that use our technology to develop and sell solutions to their customers, and system integrators. We also offer software maintenance, support, training and
consulting services in connection with our products, thus aiding in the successful implementation of Magic xpa, Magic xpi and AppBuilder projects, and assuring
successful operation of the platforms once installed.

In  addition,  we  provide  a  broad  range  of  IT  services  in  the  areas  of  infrastructure  design  and  delivery,  application  development,  technology  planning  and
implementation services, as well as supplemental staffing services to a wide variety of companies, including Fortune 1000 companies. The technical personnel we
provide generally supplements in-house capabilities of our customers. We have worked extensively with virtually all types of telecom infrastructure technologies
in wireless and wire-line as well as in the areas of infrastructure design and delivery, application development, project management, technology planning and
implementation services.

As used in this annual report, the terms “we,” “us,” “our,” and Magic mean Magic Software Enterprises Ltd. and its subsidiaries, unless otherwise indicated.

Our  consolidated  financial  statements  appearing  in  this  annual  report  are  prepared  in  U.S.  dollars  and  in  accordance  with  Untied  States  generally  accepted
accounting principles, or U.S. GAAP. All references in this annual report to “dollars” or “$” are to U.S. dollars and all references in this annual report to “NIS”
are to New Israeli Shekels.

We  have  obtained  trademark  registrations  for  Magic®  in  the  United  States,  Canada,  Israel,  the  Netherlands  (Benelux),  Switzerland,  Thailand  and  the  United
Kingdom. All other trademarks and trade names appearing in this annual report are owned by their respective holders.

i

Statements  made  in  this  annual  report  concerning  the  contents  of  any  contract,  agreement  or  other  document  are  summaries  of  such  contracts,  agreements  or
documents and are not complete descriptions of all of their terms. If we filed any of these documents as an exhibit to this annual report or to any previous filling
with the Securities and Exchange Commission, or the SEC, you may read the document itself for a complete recitation of its terms.

This annual report on Form 20-F contains various "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended,
and  Section  21E  of  the  Securities  Exchange  Act  of  1934,  as  amended,  or  the  Exchange  Act,  and  the  Private  Securities  Litigation  Reform  Act  of  1995,  as
amended,  with  respect to  our  business, financial  condition  and  results of  operations. Such  forward-looking statements  reflect  our  current  view  with respect  to 
future  events  and  financial  results.  Statements  which  use  the  terms  “anticipate,”  “believe,”  “expect,”  “plan,”  “intend,”  “estimate” and  similar  expressions  are 
intended to identify forward looking statements. We remind readers that forward-looking statements are merely predictions and therefore inherently subject to
uncertainties and other factors and involve known and unknown risks that could cause the actual results, performance, levels of activity, or our achievements, or
industry results, to be materially different from any future results, performance, levels of activity, or our achievements expressed or implied by such forward-
looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. Except as
required by applicable law, including the securities laws of the United States, we undertake no obligation to publicly release any update or revision to any forward
looking  statements  to  reflect  new  information,  future  events  or  circumstances,  or  otherwise  after  the  date  hereof.  We  have  attempted  to  identify  significant
uncertainties and other factors affecting forward-looking statements in the Risk Factors section that appears in Item 3D “Key Information - Risk Factors.”

ii

ITEM 1.
ITEM 2.
ITEM 3.

ITEM 4.

A.
B.
C.
D.

A.
B.

C.
D.

ITEM 4 A.       
ITEM 5.

A.
B.
C.
D.
E.
F.

A.
B.
C.
D.
E.

A.
B.
C.

A.
B.

A.

ITEM 6.

ITEM 7.

ITEM 8.

ITEM 9.

TABLE OF CONTENTS

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS
OFFER STATISTICS AND EXPECTED TIMETABLE
KEY INFORMATION
Selected Financial Data
Capitalization and Indebtedness
Reasons for the Offer and Use of Proceeds
Risk Factors
INFORMATION ON THE COMPANY
History and Development of the Company
Business Overview
OUR STRATEGY
Organizational Structure
Property, Plants and Equipment
UNRESOLVED STAFF COMMENTS
OPERATING AND FINANCIAL REVIEW AND PROSPECTS
Operating Results
Liquidity and Capital Resources
Research and Development
Trend Information
Off-Balance Sheet Arrangements
Tabular Disclosure of Contractual Obligations
DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES
Directors and Senior Management
Compensation
Board  Practices
Employees
Share Ownership
MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS
Major Shareholders
Related Party Transactions
Interests of Experts and Counsel
FINANCIAL INFORMATION
Consolidated Statements and Other Financial Information
Significant Changes
THE OFFER AND LISTING
Offer and Listing Details

iii

1
1
1
1
2
2
2
16
16
18
26
32
33
33
33
33
44
52
53
53
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54
56
57
66
67
69
69
70
70
70
70
71
71
71

B.
C.
D.
E.
F.
ITEM 10.

A.
B.
C.
D.
E.
F.
G.
H.
I.

Plan of Distribution
Markets
Selling Shareholders
Dilution
Expenses of the Issue
ADDITIONAL INFORMATION
Share Capital
Memorandum and Articles of Association
Material Contracts
Exchange Controls
Taxation
Dividends and Paying Agents
Statement by Experts
Documents on Display
Subsidiary Information

ITEM 11.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKS

ITEM 12.

DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

ITEM 13.

DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

ITEM 14.

MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS

ITEM 15.

CONTROLS AND PROCEDURES

ITEM 16.

RESERVED

ITEM 16A.      

AUDIT COMMITTEE FINANCIAL EXPERT

ITEM 16B.      

CODE OF ETHICS

ITEM 16C.      

PRINCIPAL ACCOUNTANT FEES AND SERVICES

ITEM 16D.

EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

ITEM 16E.

PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS

ITEM 16F.

CHANGES IN REGISTRANT’S CERTIFYING ACCOUNTANT

ITEM 16G.

CORPORATE GOVERNANCE

ITEM 16H.      

MINE SAFETY DISCLOSURE

ITEM 17.

FINANCIAL STATEMENTS

ITEM 18.

FINANCIAL STATEMENTS

ITEM 19.

EXHIBITS

SIGNATURES

iv

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73
73
73
73
73
73
73
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75
75
86
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86

86

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90

90 

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91

92

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ITEM 1.

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS

Not applicable.

ITEM 2.

OFFER STATISTICS AND EXPECTED TIMETABLE

PART I

Not applicable.

ITEM 3.

KEY INFORMATION

A.

SELECTED FINANCIAL DATA

The following table presents selected consolidated financial data as of the dates and for each of the periods indicated. The selected consolidated financial data set 
forth below should be read in conjunction with and are qualified entirely by reference to Item 5. “Operating and Financial Review and Prospects” and our 
consolidated financial statements and notes thereto included elsewhere in this annual report.

We have derived the following consolidated income statement data for the years ended December 31, 2011, 2012 and 2013 and the consolidated balance sheet 
data as of December 31, 2012 and 2013 from our audited consolidated financial statements and notes included elsewhere in this annual report. We have derived 
the consolidated income statement data for the year ended December 31, 2009 and 2010 and the consolidated balance sheet data as of December 31, 2009, 2010 
and 2011 from our audited consolidated financial statements that are not included in this annual report.

Income Statement Data:

Revenues:
Software
Maintenance and technical support
Consulting services
Total revenues

Cost of revenues:

Software
Maintenance and technical support
Consulting services

Total cost of revenues

Gross profit
Operating costs and expenses:

Research and development, net
Selling and marketing
General and administrative
Other income, net

Operating income
Financial income (expense), net
Other income (expense), net
Income before taxes on income
Tax benefit (taxes on income)

2009

Year ended December 31,
2011
(U.S. dollars in thousands, except share and per share data)

2010

2012

$

20,111
14,407
54,060
88,578

5,320
2,070
44,058
51,448
37,130

2,072
17,526
8,194
-
9,338
(224)
159
9,273
102

17,261
13,821
24,268
55,350

5,388
2,189
18,687
26,264
29,086

1,310
15,308
8,210
1,972
6,230
238
42
6,510
(334)

$

1

$

$

23,110
16,751
73,467
113,328

$

23,684
22,384
80,312
126,380

5,771
2,250
59,237
67,258
46,070

2,047
20,147
9,159
-
14,717
221
125
15,063
203

7,439
3,238
62,716
73,393
52,987

2,947
22,990
10,642
-
16,408
10
136
16,554
(94)

2013

23,254
22,685
99,012
144,958

6,648
2,949
76,296
85,893
59,065

3,706
23,066
13,166
-
19,127
(684)
(12)
18,431
(1,575)

2009

Year ended December 31,
2011
(U.S. dollars in thousands, except share and per share data)

2010

2012

$

$
$

6,176
6,176
-
-
6,176
0.19
0.19
31,899
32,107
15,974
0.50

$

$
$

9,375
9,375
-
-
9,375
0.29
0.29
32,140
32,731
-
-

15,266
15,266
-
222
15,044
0.41
0.41
32,268
37,046
-
-

$

$
$

$

16,460
16,460
253
24
16,183
0.44
0.44
32,502
37,108
3,661
0.10

$

$
$

$

2013

16,856
16,856
541
435
15,880
0.43
0.43
37,081
37,454
7,723
0.21

2009

2010

28,021

$

41,868
87,551
57,188

December 31,
2011
(U.S. dollars in thousands)
$

36,304

$

48,815

46,542
111,950
88,865

32,122
135,971
105,625

2012

2013

44,205

$

45,171

38,634
152,954
118,361

35,988
167,003
129,131

Income after taxes on income
Net income
Change in redeemable non-controlling interests
Net income attributable to non-controlling interests
Net income attributable to Magic's Shareholders
Basic earnings per share
Diluted earnings per share
Shares used to compute basic earnings per share
Shares used to compute diluted earnings per share
Dividends
Cash dividend declared per common share

Balance Sheet Data:

Working capital 
Cash, cash equivalents, short term deposits and 

marketable securities 

Total assets 
Total equity 

B.

CAPITALIZATION AND INDEBTEDNESS

Not applicable.

$

$
$

$

$

C.

REASONS FOR THE OFFER AND USE OF PROCEEDS

Not applicable.

D.

RISK FACTORS

Investing in our ordinary shares involves a high degree of risk and uncertainty. You should carefully consider the risks and uncertainties described below before
investing in our ordinary shares. Our business, prospects, financial condition and results of operations could be adversely affected due to any of the following
risks. In that case, the value of our ordinary shares could decline, and you could lose all or part of your investment. 

Risks Related to Our Business and Our Industry

We are dependent on a limited number of core product families and services and a decrease in revenues from these products and services would adversely
affect our business, results of operations and financial condition; our future success will be largely dependent on the acceptance of future releases of our
core product families and if we are unsuccessful with these efforts, our business, results of operations and financial condition will be adversely affected.

2

We  derive  a  significant  portion  of  our  revenues  from  sales  of  application  platforms  and  integration  products  primarily  under  our  Magic  xpa,  Magic  xpi  and
AppBuilder  brands  and  from  related  professional  services,  software  maintenance  and  technical  support  as  well  as  from  other  IT  professional  services,  which
include IT consulting and staffing services. Our future growth depends heavily on our ability to effectively develop and sell new products developed by us or
acquired from third parties as well as add new features to existing products. A decrease in revenues from our principal products and services would adversely
affect our business, results of operations and financial condition. 

Our  future  success  will  also  be  dependent  on  the  continued  acceptance  of  Magic  xpa  and  Magic  xpi.  The  continued  acceptance  of  these  products  will  be
dependent in part on the continued acceptance and growth of the cloud market, including rich internet applications, or RIAs, mobile and software as a service, or
SaaS,  for  which  they  are  particularly  useful  and  advantageous.  We  will  need  to  continue  to  enhance  our  products  to  meet  evolving  requirements  and  if  new
versions of such products are not accepted, our business, results of operations and financial condition may be adversely affected.

Rapid technological changes may adversely affect the market acceptance of our products and services, and our business, results of operations and financial
condition could be adversely affected; adapting to evolving technologies can require substantial financial investments, distract management and adversely
affect the demand for our existing products or services.

We compete in a market that is characterized by rapid technological changes. Other companies are also seeking to offer software solutions, enterprise mobility
solutions and Internet-related solutions, such as cloud computing, to generate growth. These companies may develop technological or business model innovations
in the markets that we seek to address that are, or are perceived to be, equivalent or superior to our products. In addition, our customers’ business models may 
change in ways that we do not anticipate and these changes could reduce or eliminate our customers’ needs for our products and services. Our operating results 
depend on our ability to adapt to market changes and develop and introduce new products and services into existing and emerging markets.

The introduction of new technologies and devices could render existing products and services obsolete and unmarketable and could exert price pressures on our
products and services. Our future success will depend upon our ability to address the increasingly sophisticated needs of our customers by:

(cid:120)

Supporting existing and emerging hardware, software, databases and networking platforms; and

(cid:120) Developing  and  introducing  new  and  enhanced  software  development  technology  and  applications  that  keep  pace  with  such  technological

developments, emerging new product markets and changing customer requirements.

Adapting  to  evolving  technologies  can  require  substantial  financial  investments,  distract  management  and  adversely  affect  the  demand  for  our  existing
products and services.  In  addition, if release dates of any  future products or enhancements are  delayed or if  they fail to  achieve market acceptance when
released, our business, financial condition and results of operations could be adversely affected.

Adapting to evolving technologies may require us to invest a significant amount of resources into the development, integration, support and marketing of those
technologies. The acceptance and growth of cloud computing and enterprise mobility are examples of rapidly changing technologies which we have adapted into
our products. This required us to make a substantial financial investment to develop and implement cloud computing and enterprise mobility into our software
solution models and has required significant attention from our management to refine our business strategies to include the delivery of these solutions. As the
market continues to adopt these new technologies, we expect to continue to make substantial investments in our service solutions and system integrations related
to these changing technologies.  Even if we succeed in adapting to a new technology by developing attractive products and services and successfully bringing
them to market, there is no assurance that the new product or service will have a positive impact on our financial performance and could even result in lower
revenue, lower margins and higher costs and therefore could negatively impact our financial performance.

3

If  our  customers  terminate  contracted  projects  or  choose  not  to  retain  us  for  additional  projects,  or  if  we  are  restricted  from  providing  services  to  our
customers’ competitors, our revenues and profitability may be negatively affected. 

Our IT professional services customers typically retain us on a non-exclusive basis. Many of our client contracts, including those that are on a fixed price and
timeframe  basis,  can  be  terminated  by  the  client  with  or  without  cause  upon  90  days’ notice  or  less,  and  generally  without  termination-related  penalties. 
Additionally, our contracts with customers are typically limited to discrete projects without any commitment to a specific volume of business or future work and
may involve multiple stages. In addition, the increased breadth of our service offerings may result in larger and more complex projects for our customers that
require us to  devote resources to more thoroughly understand their operations. Despite these  efforts, our customers may choose  not to retain us for additional
stages or may cancel or delay planned or existing engagements due to any number of factors, including:

(cid:120)

(cid:120)

(cid:120)

(cid:120)

a client’s financial difficulties;

a change in a client’s strategic priorities;

a client’s demand for price reductions; and

a decision by a client to utilize its in-house IT capacity or work with our competitors.

These potential terminations, cancellations or delays in planned or existing engagements could make it difficult for us to use our personnel efficiently and may
negatively impact our revenues and profitability.

We enter into fixed-price contracts that could subject us to losses in the event we fail to properly estimate our costs.

We enter into a number  of firm fixed-price contracts. If our  initial  cost estimates  are incorrect, we can lose money  on these contracts. Because many of these
contracts  involve  new  technologies  and  applications,  unforeseen  events,  such  as  technological  difficulties  and  other  cost  overruns,  can  result  in  the  contract
pricing becoming less favorable or even unprofitable to us and have an adverse impact on our financial results.

If we fail to meet our customers’ performance expectations, our reputation may be harmed, causing us to lose customers or exposing us to legal liability. 

Our  ability  to  attract  and  retain  customers  depends  to  a  large  extent  on  our  relationships  with  our  customers  and  our  reputation  for  high  quality  solutions,
professional  services  and  integrity.  As  a  result,  if  a  client  is  not  satisfied  with  our  services  or  solutions,  including  those  of  subcontractors  we  engage,  our
reputation may be damaged. Our failure to meet these goals or a client’s expectations may result in a less profitable or an unprofitable engagement. Moreover, if
we fail to meet our customers’ expectations, we may lose customers and be subject to legal liability, particularly if such failure adversely impacts our customers’
businesses.

In addition, a portion of our projects may be considered critical to the operations of our customers’ businesses. Our exposure to legal liability may be increased in 
the case of outsourcing contracts in which we become more involved in our customers’ operations. While we typically strive to include provisions designed to
limit our exposure to legal claims relating to our services and the solutions we develop, these provisions may not adequately protect us or may not be enforceable
in  all  cases.  The  general  liability  insurance  coverage  that  we  maintain,  including  coverage  for  errors  and  omissions,  is  subject  to  important  exclusions  and
limitations. We cannot be certain that this coverage will continue to be available on reasonable terms or will be available in sufficient amounts to cover one or
more large claims, or that the insurer will not disclaim coverage as to any future claim. A successful assertion of one or more large claims against us that exceeds
our  available  insurance  coverage  or  changes  in  our  insurance  policies,  including  premium  increases  or  the  imposition  of  large  deductible  or  co-insurance 
requirements, could adversely affect our profitability.

4

We face intense competition in the markets in which we operate. This competition could adversely affect our business, results of operations and financial 
condition.

We  compete  with  other  companies  in  the  areas  of  application  platforms,  business  integration  and  business  process  management,  or  BPM,  tools,  and  in  the
applications, mobile solutions, and services markets in which we operate. The growth of the cloud computing market has increased the competition in these areas.
We  expect  that  such  competition  will  increase  in  the  future,  both  with  respect  to  our  technology,  applications  and  services  which  we  currently  offer  and
applications and services which we and other vendors are developing. Increased competition, direct and indirect, could adversely affect our business, financial
condition and results of operations.

We also compete with other companies in the technical IT consulting and staffing services industry. This industry is highly competitive and fragmented and has
low  entry  barriers.  We,  through  three  of  our  subsidiaries  in  the  United  States  and  three  of  our  subsidiaries  in  Israel,  compete  for  potential  customers  with
providers of outsourcing services, systems integrators, computer systems consultants, other providers of technical IT consulting services and, to a lesser extent,
temporary personnel agencies. We expect competition to increase, and we may not be able to remain competitive.

Some of our existing and potential competitors are larger companies, have substantially greater resources than us, including financial, technological, marketing,
skilled human resources and distribution capabilities, and enjoy greater market recognition than us. We may not be able to differentiate our products and services
from  those  of  our  competitors,  offer  our  products  as  part  of  integrated  systems  or  solutions  to  the  same  extent  as  our  competitors,  or  successfully  develop  or
introduce  new  products  that  are  more  cost-effective,  or  offer  better  performance  than  our  competitors.  Failure  to  do  so  could  adversely  affect  our  business,
financial condition and results of operations.

As we derive a portion of our revenues from the Israeli government, a reduction of government spending in Israel on IT services may reduce, our revenues
and profitability; and any delay in its annual budget approval process may negatively impact our cash flows. 

We perform work for a wide range of Israeli governmental agencies. Any reduction in total Israeli government spending for political or economic reasons, such as
occurred in the Israeli recession ending in 2004 or the current worldwide recession, may reduce our revenues and profitability. In addition, the government of
Israel has experienced significant delays in the approval of its annual budget in recent years. Such delays in the future could negatively affect our cash flows by
delaying receipt of payment from the government of Israel for services performed.

We  may  encounter  difficulties  in  realizing  the  potential  financial  or  strategic  benefits  of  recent  business  acquisitions.  We  expect  to  make  additional
acquisitions in the future that could disrupt our operations and harm our operating results.

It  is  a  part  of  our  business  strategy  to  pursue  acquisitions  and  other  initiatives  in  order  to  expand  our  product  offerings  or  services  or  otherwise  enhance  our
market position and strategic strengths. In the past four years we made a number of acquisitions, including: (i) our distributor in South Africa, Magix Integration
(Proprietary)  Ltd.,  or  Magix  Integration,  which  specializes  in  the  software  integration  and  application  development  of  our  platforms  as  well  as  the  support  of
large-scale and complex systems in the public and financial sectors in South Africa; (ii) the AppBuilder activity of BluePhoenix Solutions Ltd., or AppBuilder, a
development platform for managing, maintaining, and reusing business applications required by large-scale enterprises; (iii) Complete Business Solutions Ltd., a 
software  solution  provider  and  a  Business  Partner  of  SAP;  (iv)  Comm-IT  Group,  a  software  and  systems  development  house  that  specializes  in  providing
advanced IT and communications services and solutions, project and product consultation, installation and implementation of databases and software integration;
(v)  Dario  Solutions  IT  Ltd.,  a  provider  of  software  integration  and  software  solutions  for  large  and  mid-range  customers  in  Israel  and  Microsoft  Gold  Level 
Partner; (vi) Valinor Ltd., a Microsoft Certified Partner and a Oracle Gold Level Partner that specializes in project and product consultation, and the installation
and  implementation  of  databases;  and  (vii)  the  enterprise  division  of  Allstates  Technical  Services,  LLC,  a  U.S.-based  full-service  provider  of  consulting  and
staffing solutions for IT, Engineering and Telecom personnel

5

Mergers  and  acquisitions  of  companies  are  inherently  risky  and  subject  to  many  factors  outside  of  our  control  and  no  assurance  can  be  given  that  our  future
acquisitions will be successful and will not adversely affect our business, operating results, or financial condition. In the future, we may seek to acquire or make
strategic investments in  complementary businesses, technologies,  services or  products,  or enter  into  strategic partnerships  or alliances  with  third  parties in the
future in order to expand our business. Failure to manage and successfully integrate acquisitions could materially harm our business and operating results. Prior
acquisitions  have  resulted  in  a  wide  range  of  outcomes,  from  successful  introduction  of  new  products  and  technologies  to  a  failure  to  do  so.  Even  when  an
acquired company has previously developed and marketed products, there can be no assurance that new product enhancements will be made in a timely manner or
that pre-acquisition due diligence will have identified all possible issues that might arise with respect to such products. If we acquire other businesses, we may
face difficulties, including:

(cid:120) Difficulties in integrating the operations, systems, technologies, products, and personnel of the acquired businesses or enterprises;

(cid:120) Diversion  of  management’s  attention  from  normal  daily  operations  of  the  business  and  the  challenges  of  managing  larger  and  more  widespread

operations resulting from acquisitions;

(cid:120)

Potential difficulties in completing projects associated with in-process research and development;

(cid:120) Difficulties in entering markets in which we have no or limited direct prior experience and where competitors in such markets have stronger market

positions;

(cid:120)

(cid:120)

Insufficient revenue to offset increased expenses associated with acquisitions; and

The  potential  loss  of  key  employees,  customers,  distributors,  vendors  and  other  business  partners  of  the  companies  we  acquire  following  and
continuing after announcement of acquisition plans.

If we fail to manage our growth, our business could be disrupted and our profitability will likely decline. 

We have experienced rapid growth during the last five years, through both acquisitions and organic growth. The number of our employees increased from 397 as
of  December  31,  2009  to  approximately  1,300  as  of  December  31,  2013  and  may  increase  further  as  we  aim  to  enhance  our  businesses.  This  increase  may
significantly strain our management and other operational and financial resources. In particular, continued headcount growth increases the integration challenges
involved in:

recruiting, training and retaining skilled technical, marketing and management personnel;

(cid:120)
(cid:120) maintaining high quality standards;

(cid:120)

(cid:120)

preserving our corporate culture, values and entrepreneurial environment;

developing and improving our internal administrative infrastructure, particularly our financial, operational, communications and other internal
controls; and

(cid:120) maintaining high levels of client satisfaction.

The rapid execution necessary to exploit the market for our business model requires an effective planning and management process. Our systems, procedures or
controls may not be adequate to support the growth in our operations, and our management may not be able to achieve the rapid execution necessary to exploit the
market for our business model. Our future operating results will also depend on our ability to expand our development, sales and marketing organizations. If we
are unable to manage growth effectively, our profitability will likely decline.

6

We have a history of quarterly fluctuations in our results of operations and expect these fluctuations to continue.

We have experienced, and in the future may continue to experience, significant fluctuations in our quarterly results of operations. Factors that may contribute to
fluctuations in our quarterly results of operations include:

(cid:120)

(cid:120)

(cid:120)

The size and timing of orders;

The high level of competition that we encounter;

The timing of our products introductions or enhancements or those of our competitors or of providers of complementary products;

(cid:120) Market acceptance of our new products, applications and services;

(cid:120)

(cid:120)

(cid:120)

The purchasing patterns and budget cycles of our customers and end-users;

The mix of product sales;

Exchange rate fluctuations;

(cid:120) General economic conditions; and

(cid:120)

The integration of newly acquired businesses.

Our customers ordinarily require the delivery of our products promptly after we accept their orders. With the exception of contracts for services, we usually do
not have a backlog of orders for our products. Consequently, revenues from our products in any quarter depend on orders received and products provided by us
and accepted by the customers in that quarter. A deferral in the placement and acceptance of any large order from one quarter to another could adversely affect
our  results  of  operations  for  the  prior  quarter.  Our  customers  sometimes  require  an  acceptance  test  for  services  we  provide  and  as  a  result,  we  may  have  a
significant backlog of orders for our services. Our revenues from services depend on orders received and services provided by us and accepted by our customers
in that quarter. If sales in any quarter do not increase correspondingly or if we do not reduce our expenses in response to level or declining revenues in a timely
fashion,  our  financial  results  for  that  quarter  may  be  adversely  affected.  For  these  reasons,  quarter-to-quarter  comparisons  of  our  results  of  operations  are  not 
necessarily meaningful and you should not rely on the results of our operations in any particular quarter as an indication of future performance.

The revenues in one of our principal IT professional services subsidiaries are dependent upon one key customer and a significant decrease in revenues from
such customer could adversely affect our business, results of operations and financial condition. 

The revenues in one of our principal IT professional services subsidiaries are dependent upon Ericsson Inc., or Ericsson, which is currently our largest customer,
accounting for 25%, 19% and 13% of our total revenues for the years ended December 31, 2011, 2012 and 2013, respectively. The decline in revenues reflects the
completion of certain projects. We do not know if, or for how much longer, Ericsson will continue to utilize the IT professional services of such subsidiary. Under
a  recently  entered  into  master  services  agreement,  Ericsson  may  terminate  its  agreement  upon  a  30  days’ notice  without  any  penalty.  The  termination  of  our 
agreement with Ericsson or a significant decrease in revenues may adversely affect our business, results of operations and financial condition.

7

We are a defendant in an arbitration proceeding and have been found to have breached the non-disclosure agreement. Based on such decision, the arbitrator 
may assess significant damages against us, which could adversely affect our results of operations and financial condition.

In August 2009, a software company and one of its owners filed an arbitration proceeding against us and one of our subsidiaries, claiming an alleged breach of a
non-disclosure agreement between the parties. The plaintiffs are seeking damages in the amount of approximately NIS 52 million (approximately $15 million).
The arbitrator determined that both we and our subsidiary breached the non-disclosure agreement. Closing summaries regarding damages have been filed by both
parties, but the arbitrator has not yet rendered his ruling. In June 2011, the plaintiffs filed a motion to allow them to amend the claim by adding new causes of
action and increasing the damages claimed in the lawsuit by approximately NIS 238 million (approximately $69 million), based on new arguments. Following
discussions, the arbitrator rejected the motion an determined that if the plaintiffs wish to claim the additional damages (and the addition causes of action|) they
should do so in a separate legal proceeding. To date, the plaintiffs have not filed an additional lawsuit. We recorded an accrual to cover damages to be awarded, if
any, based on the conclusions of the financial expert opinion that we filed in the arbitration proceedings. At this time, given the multiple uncertainties involved
and in large part to the highly speculative nature of the damages sought by the plaintiff and the wide discretion given to the arbitrator in quantifying and awarding
damages, we are unable to estimate the amount of the probable loss, if any, to be recognized or whether our accrual will be sufficient to cover the damages that
may be awarded. An unfavorable decision as to damages, or the initiation of new proceedings against us by the plaintiffs could adversely affect our results of
operations and financial condition.

The increasing amount of intangible assets and goodwill recorded on our balance sheet may lead to significant impairment charges in the future.

We regularly review our long-lived assets, including identifiable intangible assets and goodwill, for impairment. Goodwill and indefinite life intangible assets are 
subject to impairment review at least annually. Other long-lived assets are reviewed when there is an indication that impairment may have occurred. The amount
of goodwill and identifiable intangible assets on our consolidated balance sheet has increased significantly from $26.9 million as of December 31, 2009 to $86.5
million as of December 31, 2013 as a result of our acquisitions, and may increase further following future acquisitions. Impairment testing under U.S. GAAP may
lead to further impairment charges in the future. Any significant impairment charges could have a material adverse effect on our results of operations.

If we fail to attract and retain highly skilled IT professionals, we may not have the necessary resources to properly staff projects and competition for such
professionals may adversely affect our business, results of operations and financial condition.

Our  success  depends  largely  on  the  contributions  of  our  employees  and  our  ability  to  attract  and  retain  qualified  personnel,  including  technology,  consulting,
engineering, marketing and management professionals and also upon our ability to attract and retain qualified computer professionals to serve as temporary IT
personnel. Competition for the limited number of qualified professionals with a working knowledge of certain sophisticated computer languages is intense.  We
compete  for  technical  personnel  with  other  providers  of  technical  IT  consulting  and  staffing  services,  systems  integrators,  providers  of  outsourcing  services,
computer  systems  consultants,  customers  and,  to  a  lesser  extent,  temporary  personnel  agencies.  A  shortage  of,  and  significant  competition  for  software
professionals with the skills and experience necessary to perform the required services, may require us to forego projects for lack of resources and may adversely
affect our business, results of operations and financial condition. In addition, our ability to maintain and renew existing engagements and obtain new business for
our contract IT professional services operations depends, in large part, on our ability to hire and retain technical personnel with the IT skills that keep pace with
continuing changes in software evolution, industry standards and technologies, and client preferences. Demand for qualified professionals conversant with certain
technologies  may  outstrip  supply  as  new  and  additional  skills  are  required  to  keep  pace  with  evolving  computer  technology  or  as  competition  for  technical
personnel increases. Increasing demand for qualified personnel could also result in increased expenses to hire and retain qualified technical personnel and could
adversely affect our profit margins.

8

We derive a significant portion of our revenues from independent distributors who are under no obligation to purchase our products and the loss of such
independent distributors could adversely affect our business, results of operations and financial condition.

We sell our products through our own direct sales representatives and offices, as well as through third parties that use our technology to develop and sell solutions
to  their  customers,  who  we  refer  to  as  Magic  Solution  Providers,  or  MSPs,  and  also  through  system  integrators.  These  independent  MSPs  then  sell  the
applications they develop on the Magic xpa or AppBuilder application platforms to end-users. In some regions, especially in Asia-Pacific, Eastern Europe, Spain, 
Italy,  South  America  and  a  few  countries  in  the  Mediterranean  area, we  sell  our  products  through  a  broad  channel  network,  including  independent  regional
distributers.  We  are  dependent  upon  the  acceptance  of  our  products  by  our  MSPs  and  independent  distributors  and  their  active  marketing  and  sales  efforts.
Typically,  our  arrangements  with  our  independent  distributors  do  not  require  them  to  purchase  specified  amounts  of  products  or  prevent  them  from  selling
competitive products. Our MSPs may not continue to use our technology to develop and sell solutions to end-user. Similarly, our independent distributors may 
not continue, or may not give a high priority to, marketing and supporting our products. Our results of operations could be adversely affected by a decline in the
number  of  MSPs  utilizing  our  technology  and  by  changes  in  the  financial  condition,  business,  marketing  strategies,  local  and  global  economic  conditions,  or
results of our independent distributors. If any of our distribution relationships are terminated, we may not be successful in replacing them on a timely basis, or at
all. In addition, we will need to develop new sales channels for new products, and we may not succeed in doing so. Any changes in our distribution and sales
channels, or our inability to establish effective distribution and sales channels for new markets, could adversely impact our ability to sell our products and result
in a loss of revenues and profits.

Unfavorable national and global economic conditions could adversely affect our business, operating results and financial condition.

During periods of slowing economic activity our customers may reduce their demand for our products, technology and professional services, which would reduce
our  sales,  and  our  business,  operating  results  and  financial  condition  may  be  adversely  affected.  Economies  throughout  the  world  currently  face  a  number  of
challenges, including threatened sovereign defaults, credit downgrades, restricted credit for businesses and consumers and potentially falling demand for a variety
of  products  and  services.  Notwithstanding  the  improving  economic  conditions  in  some  of our  markets,  many  companies  are  still  cutting  back  expenditures  or
delaying  plans  to  add  additional  personnel  or  systems.  Any  further  worsening  of  the  global  economic  condition  could  result  in  longer  sales  cycles,  slower
adoption of new technologies and increased price competition for our products and services. We could also be exposed to credit risk and payment delinquencies
on our accounts receivable, which are not covered by collateral. Any of these events would likely harm our business, operating results and financial condition.

Changes in the ratio of our revenues generated from different revenue elements may adversely affect our gross profit margins. 

We derive our revenues from the sale of software licenses, related professional services, maintenance and technical support as well as from other IT professional
services. Our gross margin is affected by the proportion of our revenues generated from the sale of each of those elements of our revenues. Our revenues from the
sale of our software licenses, related professional services, maintenance and technical support have higher gross margins than our revenues from IT professional
services. Our software licenses revenues include the sale of third party software licenses, which have a lower gross margin than sales of our proprietary software
products. Any increase in the portion of third party software license sales out of total license sales will decrease our gross profit margin. If the relative proportion
of our revenues from the sale of IT professional services increases as a percentage of our total revenues, our gross profit margins may decline in the future.

Our success depends in part upon the senior members of our management team, and our inability to attract and retain them or attract suitable replacements
could have a negative effect on our ability to operate our business. 

We are dependent on the senior members of our management team. We do not maintain key man life insurance for any of the senior members of our management
team. Competition for senior management in our industry is intense, and we may not be able to retain our senior management personnel or attract and retain new
senior management personnel in the future. The loss of one or more members of our senior management team could have a negative effect on our ability to attract
and retain customers, execute our business strategy and otherwise operate our business, which could reduce our revenues, increase our expenses and reduce our
profitability.

9

We  may  encounter  difficulties  with  our  international  operations  and  sales  which  could  adversely  affect  our  business,  results  of  operations  and  financial
condition. 

While our principal executive offices are located in Israel, 93%, 91% and 83% of our sales in the years ended December 31, 2011, 2012 and 2013, respectively,
were generated in other regions and countries including, but not limited to the United States, Europe, Japan, Asia-Pacific, India and South Africa. Our success in
becoming a stronger competitor in the sale of application platforms, integration solutions and professional services is dependent upon our ability to increase our
sales in all our markets. Our efforts to increase our penetration into these markets are subject to risks inherent to such markets, including the high cost of doing
business  in  such  locations.  Our  efforts  may  be  costly  and  they  may  not  result  in  profits,  which  could  adversely  affect  our  business,  results  of  operations  and
financial condition.

Our international operation subjects us to many risks inherent to international business activities, including:

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

Limitations and disruptions resulting from the imposition of government controls;

Changes in regulatory requirements;

Export license requirements;

Economic or political instability;

Trade restrictions;

Changes in tariffs;

Currency fluctuations;

(cid:120) Difficulties in the collection of receivables;

(cid:120)

Foreign tax consequences;

(cid:120) Greater difficulty in safeguarding intellectual property; and

(cid:120) Difficulties in managing overseas subsidiaries and international operations.

We may encounter significant difficulties in connection with the sale of our products and services in international markets as a result of one or more of these
factors and our business, results of operations and financial condition could be adversely affected.

Currency exchange rate fluctuations in the markets in which we conduct business could adversely affect our business, results of operations and financial
condition. 

Our financial statements are stated in U.S. dollars, our functional currency. However, in the years ended December 31, 2011, 2012 and 2013, over 46%, 49% and
51% of our revenues, respectively, were derived from sales outside the United States, particularly Europe, Japan and Asia-Pacific, Israel, the United Kingdom and
South Africa. We also maintain substantial non-U.S. dollar balances of assets, including cash and accounts receivable, and liabilities, including accounts payable.
Similarly, a significant portion of our expenses, primarily salaries, related personnel expenses, subcontractors expenses and the leases of our offices and related
administrative expenses, were incurred outside the United States. Therefore, fluctuations in the value of the currencies in which we do business relative to the
U.S. dollar, primarily NIS, euros and Japanese yen, may adversely affect our business, results of operations and financial condition, by decreasing the U.S. dollar
value of assets held in other currencies and increasing the U.S. dollar amount of liabilities payable in other currencies, or by decreasing the U.S. dollar value of
our revenues in other currencies and increasing the U.S. dollar amount of our expenses in other currencies. Even if we use derivatives or other instruments to
hedge part or all of our exposures from time to time, they may not effectively eliminate such risk, if at all.

10

Breaches of network or information technology security, natural disasters or terrorist attacks could have an adverse effect on our business.

Cyber attacks or other breaches of network or IT security, natural disasters, terrorist acts or acts of war may cause equipment failures or disrupt our systems and
operations. We may be subject to attempts to breach the security of our networks and IT infrastructure through cyber attack, malware, computer viruses and other
means of unauthorized access. While we maintain insurance coverage for some of these events, the potential liabilities associated with these events could exceed
the insurance coverage we maintain. Our inability to operate our facilities as a result of such events, even for a limited period of time, may result in significant
expenses or loss of market share to other competitors for our application platforms as well as in the process and business integration technologies and IT services
market. In addition, a failure to protect the privacy of customer and employee confidential data against breaches of network or IT security could result in damage
to our reputation. A failure to protect the privacy of customer and employee confidential data against breaches of network or IT security could result in damage to
our reputation. To date, we have not been subject to cyber attacks or other cyber incidents which, individually or in the aggregate, resulted in a material impact to
our operations or financial condition.

Maintaining the security of our products, computers and networks is a critical issue for us and our customers. Security researchers, criminal hackers and other
third parties regularly develop new techniques to penetrate computer and network security measures. In addition, hackers also develop and deploy viruses, worms
and  other  malicious  software  programs,  some  of  which  may  be  specifically  designed  to  attack  our  products,  systems,  computers  or  networks.  Additionally,
outside parties may attempt to fraudulently induce our employees or users of our products to disclose sensitive information in order to gain access to our data or
our  customers’ data.  These  potential  breaches  of  our  security  measures  and  the  accidental  loss,  inadvertent  disclosure  or  unauthorized  dissemination  of
proprietary information or sensitive, personal or confidential data about us, our employees or our customers, including the potential loss or disclosure of such
information or data as a result of hacking, fraud, trickery or other forms of deception, could expose us, our employees, our customers or the individuals affected to
a  risk  of  loss  or  misuse  of  this  information,  result  in  litigation  and  potential  liability  or  fines  for  us,  damage  our  brand  and  reputation  or  otherwise  harm  our
business.

Our products have a lengthy sales cycle which could adversely affect our revenues.

Our  customers  typically  use  our  technologies  to  develop  and  deploy  as  well  as  to  integrate  applications  that  are  critical  to  their  businesses.  As  a  result,  the
licensing and implementation of our technologies generally involves a significant commitment of attention and resources by prospective customers. Because of
the long approval process that typically accompanies strategic initiatives or capital expenditures by companies, our sales process is often delayed, with little or no
control over any delays encountered by us. Our sales cycle, which generally ranges from three to eighteen months, can be further extended for sales made through
third party distributors. We spend substantial time, effort and money in our sales efforts without any assurance that such efforts will produce any sales.

Our products may contain defects that may be costly to correct, delay their market acceptance and expose us to difficulties in the collection of receivables and
to litigation.

Despite our regular quality assurance testing, as well as testing performed by our partners and end-users who participate in our beta-testing programs, errors may 
be  found  in  our  software  products  or  in  applications  developed  with  our  technology.  This  risk  is  exacerbated  by  the  fact  that  a  significant  percentage  of  the
applications  developed  with  our  technology  were  and  are  likely  to  continue  to  be  developed  by  our  MSPs,  system  integrators  and  enterprises  over  which  we
exercise no supervision or control. If defects are discovered, we may not be able to successfully correct them in a timely manner or at all. Defects and failures in
our products could result in a loss of, or delay in, market acceptance of our products, as well as difficulties in the collection of receivables and litigation, and
could damage our reputation.

Our  standard  license  agreement  with  our  customers  contains  provisions  designed  to  limit  our  exposure  to  potential  product  liability  claims  that  may  not  be
effective or enforceable under the laws of some jurisdictions. Also, the professional liability insurance that we maintain may not be sufficient against potential
claims. Accordingly, we could fail to realize revenues and suffer damage to our reputation as a result of, or in defense of, a substantial claim.

Our  proprietary  technology  is  difficult  to  protect  and  unauthorized  use  of  our  proprietary  technology  by  third  parties  may  impair  our  ability  to  compete
effectively.

Our  success  and  ability  to  compete  depend  in  large  part  upon  our  ability  to protect  our  proprietary  technology.  We  rely  on  a  combination  of  trade  secret  and
copyright laws and confidentiality, non-disclosure and assignment-of-inventions agreements to protect our proprietary technology. We do not have any patents.
Our policy is to require employees and consultants to execute confidentiality and non-compete agreements upon the commencement of their relationships with us.
These measures may not be adequate to protect our technology from third-party infringement, and our competitors might independently develop technologies that
are substantially equivalent or superior to ours. Additionally, our products may be sold in foreign countries that provide less protection for intellectual property
rights than that provided under U.S. or Israeli laws.

11

Third parties have in the past, and may in the future, claim that we infringe upon their intellectual property rights and could harm our business. 

From time to time third parties have in the past, and may in the future, assert infringement claims against us or claim that we have violated a patent or infringed
upon  a  copyright,  trademark  or  other  proprietary  right  belonging  to  them.  Intellectual  property  litigation  is  expensive  and  any  court  ruling  against  us  or
infringement claim, even one without merit, could result in the expenditure of significant financial and managerial resources to defend any such claims, which
will adversely affect our financial condition and results of operations.

Any unauthorized, and potentially improper, actions of our personnel could adversely affect our business, operating results and financial condition.

The recognition of our revenue depends on, among other things, the terms negotiated in our contracts with our customers. Our personnel may act outside of their
authority and negotiate additional terms without our knowledge. We have implemented policies to help prevent and discourage such conduct, but there can be no
assurance that such policies will be followed. For instance, in the event that our sales personnel negotiate terms that do not appear in the contract and of which we
are unaware, whether such additional terms are written or verbal, we could be prevented from recognizing revenue in accordance with our plans. Furthermore,
depending on when we learn of unauthorized actions and the size of the transactions involved, we may have to restate revenue for a previously reported period,
which would seriously harm our business, operating results and financial condition.

Because we are controlled by Formula Systems (1985) Ltd. and Asseco Poland S.A., investors will not be able to affect the outcome of shareholder votes.

Formula Systems (1985) Ltd., or Formula Systems (symbol: FORTY), an Israeli company whose shares trade on the NASDAQ Global Select Market and the
TASE, directly owned 19,160,044 or 51.5%, of our outstanding ordinary shares as of February 14, 2014. Asseco Poland S.A., or Asseco, a Polish company listed
on Warsaw Stock Exchange, owns 46.3% of the outstanding shares of Formula Systems. Although transactions between us and our controlling shareholders are
subject to special approvals under Israeli law, Formula Systems and Asseco will be able to exercise control over our operations and business strategy and affairs,
including  any  determinations  with  respect  to  potential  mergers  or  other  business  combinations  involving  us,  our  acquisition  or  disposition  of  assets,  our
incurrence  of indebtedness, our  issuance  of  any additional  ordinary shares  or other  equity securities,  our repurchase  or redemption  of ordinary shares and  our
payment of dividends. Similarly, Formula Systems and Asseco will be able to control most matters requiring shareholder approval, including the election of our
directors  (subject  to  a  special  majority  required  for  the  election  of  external  directors).  Such  concentration  of  ownership  may  have  the  effect  of  delaying  or
preventing an acquisition or a change in control of us.

If  we  are  unable  to  maintain  effective  internal  control  over  financial  reporting  in  accordance  with  Section  404  of  the  Sarbanes-Oxley  Act  of  2002,  the 
reliability of our financial statements may be questioned and our share price may suffer.

The Sarbanes-Oxley Act of 2002 imposes certain duties on us and on our executives and directors. To comply with this statute, we are required to document and
test our internal control over financial reporting, and our independent registered public accounting firm must issue an attestation report on our internal control
procedures, and our management is required to assess and issue a report concerning our internal control over financial reporting. Our efforts to comply with these
requirements have resulted in increased general and administrative expenses and a diversion of management time and attention, and we expect these efforts to
require the continued commitment of significant resources. We may identify material weaknesses or significant deficiencies in our assessments of our internal
controls  over  financial  reporting.  Failure  to  maintain  effective  internal  control  over  financial  reporting  could  result  in  investigation  or  sanctions  by  regulatory
authorities, and could adversely affect our operating results, investor confidence in our reported financial information and the market price of our ordinary shares.

12

Risks Related to Our Ordinary Shares 

Our share price has been volatile in the past and may continue to be susceptible to significant market price and volume fluctuations in the future.

Our  ordinary  shares  have  experienced  significant  market  price  and  volume  fluctuations  in  the  past  and  may  experience  significant  market  price  and  volume
fluctuations in the future. In 2011 and 2012 our share price on the NASDAQ Global Select market declined by 20% and 7%, respectively, while in 2013, our
share price increased by 59%. Our market price and volume may fluctuate in response to factors such as the following, some of which are beyond our control:

(cid:120) Quarterly variations in our operating results;

(cid:120)

Changes in expectations as to our future financial performance, including financial estimates by securities analysts and investors;

(cid:120) Announcements of technological innovations or new products by us or our competitors;

(cid:120) Announcements by us or our competitors of significant contracts, acquisitions, strategic partnerships, joint ventures or capital commitments;

(cid:120)

Changes in the status of our intellectual property rights;

(cid:120) Announcements by third parties of significant claims or proceedings against us;

(cid:120) Additions or departures of key personnel;

(cid:120)

The public’s response to our press releases, our other public announcements and our filings with the SEC and the Israeli Securities Authority;

(cid:120) Announcement of dividends;

(cid:120)

(cid:120)

Future sales of our ordinary shares by our directors, officers and significant shareholders;

Political and economic conditions, such as a recession or interest rate or currency rate fluctuations or political events;

(cid:120) Other events or factors in any of the markets in which we operate, including those resulting from war, incidents of terrorism, natural disasters or

responses to such events; and

(cid:120) General trends of the stock markets.

Domestic and international stock markets often experience extreme price and volume fluctuations. The market prices of ordinary shares of software companies
have  been  extremely  volatile.  Stock  prices  of  many  software  companies  have  often  fluctuated  in  a  manner  unrelated  or  disproportionate  to  the  operating
performance of such companies.

In the past, securities class action litigation has often been brought against registrants following periods of volatility in the market price of their securities. We
may in the future be the target of similar litigation. Securities litigation could result in substantial costs and divert management’s attention and resources.

13

Our ordinary shares are traded on more than one market and this may result in price variations.

Our ordinary shares are traded primarily on the NASDAQ Global Select Market and on the TASE. Trading in our ordinary shares on these markets is made in
different  currencies  (U.S.  dollars  on  the  NASDAQ  Global  Select  Market  and  NIS  on  the  TASE)  and  at  different  times  (resulting  from  different  time  zones,
different trading days and different public holidays in the United States and Israel). Consequently, the trading prices of our ordinary shares on these two markets
may differ. Any decrease in the trading price of our ordinary shares on one of these markets could cause a decrease in the trading price of our ordinary shares on
the other market.

The trading volume of our shares has been low in the past and may be low in the future, resulting in lower than expected market prices for our shares.

Our shares have traded at low volumes in the past and may trade at low volumes in the future for reasons that may be related or unrelated to our performance.
This may result in a lack of liquidity, which could negatively affect the market price for our ordinary shares.

We may in the future be classified as a passive foreign investment company, or PFIC, which will subject our U.S. investors to adverse tax rules.

For U.S. federal income tax purposes, we will generally be classified as a PFIC for any taxable year in which either: (i) 75% or more of our gross income is
passive income or (ii) at least 50% of the average quarterly value of our assets for the taxable year produce or are held for the production of passive income.
Based on certain estimates of our gross income and gross assets, our intended use of proceeds of this offering, and the nature of our business, we do not expect
that we will be classified as a PFIC for the taxable year ending December 31, 2014. However, because PFIC status is based on our income, assets and activities
for the entire taxable year, it is not possible to determine whether we will be characterized as a PFIC for the 2014 taxable year until after the close of the year.
There can be no assurance that we will not be considered a PFIC for any taxable year. If we were determined to be a PFIC for U.S. federal income tax purposes,
highly complex rules would apply to U.S. holders owning our ordinary shares and such U.S. holders could suffer adverse U.S. tax consequences. Accordingly,
you are urged to consult your tax advisors regarding the application of such rules. United States residents should carefully read “Material Tax Considerations—
United States Federal  Income Taxation” for a more complete  discussion of  the  U.S. federal income  tax risks related  to owning and disposing of  our ordinary
shares.

Risks Related to Our Location in Israel 

Political, economic and military instability in Israel may disrupt our operations and negatively affect our business condition, harm our results of operations
and adversely affect our share price. 

We are organized under the laws of the State of Israel, and our principal executive offices and manufacturing and research and development facilities are located
in Israel.  As a result, political, economic and military conditions affecting Israel directly influence us.

Since its establishment in 1948, Israel has been involved in a number of armed conflicts with its Arab neighbors and a state of hostility, varying from time to time
in intensity and degree, has continued into 2014. Also, since 2011, riots and uprisings in several countries in the Middle East and neighboring regions have led to
severe  political  instability  in  several  neighboring  states  and  to  a  decrease  in  the  regional  security  situation.  Such  instability  may  affect  the  local  and  global
economy,  could  negatively  affect  business  conditions  and,  therefore,  could  adversely  affect  our  operations.  Although  these  matters  have  not  had  any  material
effect on our business and results of operations to date, the regional security situation and worldwide perceptions of it are outside our control and there can be no
assurance that these matters will not negatively affect us in the future. Any major hostilities involving Israel, a full or partial mobilization of the reserve forces of
the Israeli army, the interruption or curtailment of trade between Israel and its present trading partners, or a significant downturn in the economic or financial
condition of Israel could have a material adverse effect on our business, financial condition and results of operations.

Furthermore, there are a number of countries and organizations that restrict business with Israel or Israeli companies, and we are precluded from marketing our
products  to  these  countries  and  organizations.   Restrictive  laws  or  policies  directed  towards  Israel  or  Israeli  businesses  may  have  an  adverse  impact  on  our
operations, our financial results or the expansion of our business.

14

Our results of operations may be adversely affected by the obligation of our personnel to perform military service.

Many of our executive officers and employees in Israel are obligated to perform annual reserve duty in the Israeli Defense Forces and may be called for active
duty under emergency  circumstances at any time. If a military conflict  or war arises, these individuals  could be required to serve  in the military for extended
periods  of  time.  Our  operations  could  be  disrupted  by  the  absence  for  a  significant  period  of  one  or  more  of  our  executive  officers  or  key  employees  or  a
significant number of other employees due to military service. Any disruption in our operations could adversely affect our business.

We currently have the ability to benefit from government tax benefits, which may be cancelled or reduced in the future. 

We are currently eligible to receive tax benefits under programs of the Government of Israel. In order to maintain our eligibility for these tax benefits, we must
continue to meet specific requirements. If we fail to comply with these requirements in the future, such tax benefits may be cancelled.

Service and enforcement of legal process on us and our directors and officers may be difficult to obtain.

We are organized in Israel and some of our directors and executive officers reside outside the United States. Service of process upon them may be difficult to
effect within the United States. Furthermore, most of our assets and the assets of some of our executive officers are located outside the United States. Therefore, a
judgment obtained against us or any of them in the United States, including one based on the civil liability provisions of the U.S. federal securities laws may not
be collectible in the United States and may not be enforced by an Israeli court. It also may be difficult for you to assert U.S. securities law claims in original
actions instituted in Israel.

Provisions of Israeli law may delay, prevent or make difficult an acquisition of us, which could prevent a change of control and therefore depress the price of
our shares. 

Israeli  corporate  law  regulates  mergers,  requires  tender  offers  for  acquisitions  of  shares  above  specified  thresholds,  requires  special  approvals  for  transactions
involving directors, officers or significant shareholders and regulates other matters that may be relevant to these types of transactions. Furthermore, Israeli tax
considerations may make potential transactions unappealing to us or to some of our shareholders. These provisions of Israeli corporate and tax law may have the
effect of delaying, preventing or complicating a merger with, or other acquisition of, us. This could cause our ordinary shares to trade at prices below the price for
which third parties might be willing to pay to gain control of us. Third parties who are otherwise willing to pay a premium over prevailing market prices to gain
control of us may be unable or unwilling to do so because of these provisions of Israeli law.

The rights and responsibilities of our shareholders are governed by Israeli law and differ in some respects from the rights and responsibilities of shareholders
under U.S. law.

We are organized under Israeli law. The rights and responsibilities of holders of our ordinary shares are governed by our memorandum of association, articles of
association  and  by  Israeli  law.  These  rights  and  responsibilities  differ  in  some  respects  from  the  rights  and  responsibilities  of  shareholders  in  typical  U.S.
corporations. In particular, a shareholder of an Israeli company has a duty to act in good faith in exercising his or her rights and fulfilling his or her obligations
toward the company and other shareholders and to refrain from abusing his power in the company, including, among other things, in voting at the general meeting
of shareholders on certain matters. Israeli law provides that these duties are applicable in shareholder votes at the general meeting with respect to, among other
things,  amendments  to  a  company’s  articles  of  association,  increases  in  a  company’s  authorized  share  capital,  mergers  and  actions  and  transactions  involving
interests of officers, directors or other interested parties which require the shareholders’ general meeting’s approval. In addition, a controlling shareholder of an 
Israeli company or a shareholder who knows that he or she possesses the power to determine the outcome of a vote at a meeting of our shareholders, or who has,
by virtue of the company’s articles of association, the power to appoint or prevent the appointment of an office holder in the company, or any other power with
respect  to  the  company,  has  a  duty  of  fairness  toward  the  company.  The  Israeli  Companies  Law  does  not  establish  criteria  for  determining  whether  or  not  a
shareholder has acted in good faith.

15

As  a  foreign  private  issuer  whose  shares  are  listed  on  the  NASDAQ  Global  Select  Market,  we  may  follow  certain  home  country  corporate  governance
practices instead of certain NASDAQ requirements. 

As a foreign private issuer whose shares are listed on the NASDAQ Global Select Market, we are permitted to follow certain home country corporate governance
practices instead of certain requirements of the NASDAQ Stock Market Rules. Among other things, as a foreign private issuer we may also follow home country
practice with regard to, the composition of the board of directors, director nomination procedure, compensation of officers and quorum at shareholders’ meetings. 
In addition, we may follow our home country law, instead of the NASDAQ Stock Market Rules, which require that we obtain shareholder approval for certain
dilutive events, such as for the establishment or amendment of certain equity based compensation plans, an issuance that will result in a change of control of the
company, certain transactions other than a public offering involving issuances of a 20% or more interest in the company and certain acquisitions of the stock or
assets of another company. Accordingly, our shareholders may not be afforded the same protection as provided under NASDAQ’s corporate governance rules. In 
addition, as foreign private issuer, we are not required to file quarterly reviewed financial statements. A foreign private issuer that elects to follow a home country
practice  instead  of  such  requirements  must  submit  to  NASDAQ  in  advance  a  written  statement  from  an  independent  counsel  in  such  issuer’s  home  country 
certifying that the issuer’s practices are not prohibited by the home country’s laws. In addition, a foreign private issuer must disclose in its annual reports filed
with the SEC each such requirement that it does not follow and describe the home country practice followed by the issuer instead of any such requirement.

ITEM 4.

INFORMATION ON THE COMPANY

A.

HISTORY AND DEVELOPMENT OF THE COMPANY

We were organized under the laws of the State of Israel in 1983 as Mashov Software Export (1983) Ltd. We changed our name to Magic Software Enterprises
Ltd. and completed our initial public offering on the NASDAQ in 1991. We completed the dual-listing of our shares for trading on the Tel Aviv Stock Exchange 
in  2000.  We  are  a  public  limited  liability  company  and  operate  under  the  Israeli  Companies  Law  1999  and  associated  legislation.  Our  registered  offices  and
principal place of business are located at 5 Haplada Street, Or-Yehuda 60218, Israel, and our telephone number is +972-3-538-9292. Our U.S. subsidiary, Magic 
Software Enterprises Inc., is located at 24422 Avenida de la Carlota, Laguna Hills, CA 92653. Our website address is www.magicsoftware.com. The information 
on our website is not incorporated by reference into this annual report.

We  are  a  global  provider  of  proprietary  application  development  and  business  process  integration  software  solutions  and  related  professional  services,  and  a
vendor of IT outsourcing services. Our software is used by customers to develop, deploy and integrate on-premise, mobile and cloud-based business applications 
quickly and cost effectively. In addition, our technology enables enterprises to accelerate the process of delivering business solutions that meet current and future
needs  and  allow  customers  to  dramatically  improve  their  business  performance  and  return  on  investment.  With  respect  to  IT  outsourcing  services,  we  offer  a
complete  portfolio  of  professional  services  in  the  areas  of  infrastructure  design  and  delivery,  application  development,  technology  consulting  planning  and
implementation services, support services and supplemental staffing services. We have approximately 1,300 employees and operate through a network of over
3,000  independent  software  vendors,  who  we  refer  to  as  Magic  Software  Providers,  or  MSPs,  and  hundreds  of  system  integrators,  distributors,  resellers,  and
consulting and OEM partners. Thousands of enterprises in approximately 50 countries use our products and services.

Through a two-step acquisition in 2011, we acquired 100% of the shares of our South African distributor, Magix Integration. Magix Integration specializes in the
software integration and application development of our platforms as well as the support of large-scale and complex systems in the public and financial sectors in 
South Africa.

In  May  2011,  we  acquired  95%  of  Complete  Business  Solutions  Ltd.  and  100%  of  Complete  Information  Technology  Ltd.,  both  Israeli  companies. The  two 
companies are prominent software solution providers and leading Business Partners of SAP with many years of experience in distributing and implementing SAP
Business One ERP Software. In December 2013, for no additional cash consideration, we increased our ownership interest in the shares of Complete Business
Solutions to 96.3% following the merger of Complete Information Technology Ltd. into Complete Business Solutions.

16

In December 2011, we acquired the AppBuilder activity of BluePhoenix Solutions Ltd., a leading provider of value-driven legacy IT modernization solutions.
AppBuilder  is  a  comprehensive  application  development  infrastructure  used  by  many  Fortune  1000  enterprises  around  the  world.  This  enterprise  application
development  environment  is  a  powerful,  model-driven  tool  that  enables  development  teams  to  build,  deploy,  and  maintain  large-scale,  custom-built  business 
applications.

In May 2012, we launched a major company-wide rebranding, including a new logo and tagline and a restyled website. We renamed our products to bring them
both under the Magic brand and to show that they both run on the same technology stack. uniPaaS was renamed Magic xpa Application Platform and iBOLT was
renamed Magic xpi Integration Platform.

In  July  2012,  we  acquired  an  80%  interest  in  Comm-IT  Group,  which  includes  CommIT  Technology  Solutions  Ltd.,  CommIT  Software  Ltd.  and  CommIT
Embedded Ltd. This group, is an Israel-based software and systems development house that specializes in a broad range of advanced IT and communications
services  and  solutions  with  proven  experience  and  successful  implementation  of  many  projects  in  a  variety  of  advanced  technologies  in  the  U.S.,  Europe  and
Israel. We and the other shareholders hold mutual put and call options, for the remaining 20% interest in the group.

In  May  2013,  our  subsidiary,  Comm-Technology  Solutions  Ltd.,  acquired  Dario  Solutions  IT  Ltd.  and  Valinor  Ltd.,  both  incorporated  in  Israel,  for  a  total
consideration of $5.4 million, of which $2.3 million is contingently payable upon the acquired business meeting certain operational targets in 2013, 2014 and
2015.

Dario  provides  software  integration  and  advanced  IT  solutions  for  large  and  mid- range  customers  in  Israel.  Dario,  a  Microsoft  Gold  Level  Partner,  provides
integration  services  with  respect  to  Microsoft  products.  Dario's  customers  include  Israeli  governmental  offices,  the  Israeli  defense  forces,  banks,  insurance
companies,  telecom  and  construction  companies  and  hi-tech  firms.  Dario  specializes  in  virtualization  and  private  cloud,  server  based  computing,  storage  area
networks, multiple users system management and mobile solutions.

Valinor specializes in project and product consultation, installation and implementation of databases and employs a wide range of information system architects,
including  data  base  system  architects,  or  DBAs,  who  have  expertise  in  database  management.  Valinor  assists  its  customers  in  finding  creative and  effective
solutions, including development, conversion, upgrade and installation of complex database systems that handle large amounts of information.  As a Microsoft
Certified Partner and an Oracle Gold Level Partner, Valinor collaborates with both of these major software providers and is involved in different projects in Israel
and  internationally.  Valinor’s  DBA  employees  assist  Microsoft  in  developing  SQL  Server  based  databases  and  provides  database  consultations  for  strategic
partners. Valinor customers include Israeli governmental offices, the Israeli defense forces, banks, insurance companies, communications companies and hi-tech 
firms

On October 15, 2013 we announced the availability of new offline capabilities for Magic xpa and the launch of our Enterprise Mobility Solution that provides
businesses with a holistic solution to address their critical enterprise mobility requirements. Our Enterprise Mobility Solution combines our enhanced application
and integration platforms, mobile device management, or MDM, tools (based on a white label distribution agreement with SOTI, a leading provider of MDM
solutions) and new mobile-oriented professional services. Our Enterprise Mobility Solution provides everything businesses need to deliver successful enterprise-
grade business apps including: (i) secure and reliable access to real-time enterprise data; (ii) seamless natural user experiences enabled by native apps that can
take full advantage of embedded device capabilities and third-party add-ons; (iii) fast time-to-market; (iv) full security at data, user, device and application levels;
and (v), comprehensive management capabilities. We also offer professional services for every stage in the mobile app lifecycle. We believe that by offering a
comprehensive  solution,  we  can  increase  the  attractiveness  and  competitiveness  of  our  Enterprise  Mobility  Solution  to  enterprises  looking  to  deploy  mobile
applications.

17

On October 31, 2013, we announced major enhancements to our Magic xpi Integration Platform, the adoption of an In-Memory Data Grid, or IMDG, architecture
and new off-the-shelf certified adapters optimized for Sugar CRM, Sage ERP and SYSPRO applications. With core enterprise systems in place, organizations of
all  sizes  are  looking  to  business  process  integration and automation  to  increase  operational  efficiency, competitiveness and innovation. Our  new IMDG-based 
architecture offers: (i) cost-effective elastic scalability, (ii) built-in clustering and failover capabilities (the capability to switch to a redundant or standby computer 
server,  system,  hardware  component  or network  upon  a  failure) that  support  enterprise  needs  for  business  continuity, and  (iii)  faster  processing  and  increased
transaction loads spurred by new mobile, cloud and big data use cases. Our expanded library of off-the-shelf adapters, which includes native adapters for Oracle 
JD Edwards Enterprise One, JD Edwards World, SAP, IBM Lotus Notes, Microsoft Dynamics, Microsoft SharePoint and Salesforce, along with over 60 built-in 
technology adapters, facilitates use in a broad range of integration scenarios, meeting the needs of a wide range of potential customers and increasing return on
investment.

In  November  2013,  we  acquired  the  enterprise  division  of  Allstates  Technical  Services,  LLC,  a  U.S.-based  full-service  provider  of  consulting  and  staffing
solutions for IT, Engineering and Telecom personnel from KBR, Inc. (NYSE: KBR). With a 60-year history, this division, now known as Allstates Consulting 
Services  LLC brings  a  strong  reputation  and  an  experienced  growth-focused  management  team  serving  some  of  the  world’s  leading  telecom  and  technology
companies.  The acquisition  of the enterprise division  of Allstates Technical  Services, LLC broadens  our existing U.S. footprint and adds leading  Fortune 500
companies to our customer base. We believe that this acquisition will become an important contributor to our future growth. 

Our  capital  expenditures  for  the  years  ended  December  31,  2011,  2012  and  2013,  were  approximately  $0.5  million  in  each  year.  These  expenditures  were
principally for network equipment and computers, furniture and office equipment and leasehold improvements.

B.

BUSINESS OVERVIEW

Industry Overview

The global enterprise IT market was approximately $3.7 trillion in 2013 (Gartner, Forecast: IT Spending, Worldwide, 4Q13 Update, December 2013) and consists
of five primary components including telecommunication services, IT services, devices, software and data center systems. After telecommunication services, IT
services represented the second biggest share of global IT spending with $922 billion (Gartner, Forecast: IT Services, 2011-2017, 4Q13 Update, December 2013),
or 24% of the total market opportunity, respectively. The enterprise application development portion of the software segment is comprised of development tools,
methodologies,  practices,  frameworks  and  languages  used  to  deliver  enterprise  software.  In  recent  years,  the  number  of  available  enterprise  applications  has
grown  significantly  which  has  led  information  system  complexity  within  many  organizations  to  a  level  that  has  obstructed  business  progress  and  evolution,
reduced business agility and led to significantly higher costs. We believe this complexity will continue to increase in the future. Although it is not unusual for
organizations  to  operate  multiple  applications,  systems  and  platforms  that  were  created  utilizing  disparate  programming  languages,  the  complexity  of  these
environments  typically  reduces  an  organization's  operating  flexibility,  hinders  decision-making  processes  and  leads  to  costly  inefficiencies  and  redundancies.
When organizations seek to swiftly change, update and upgrade IT assets to support new business processes or to cope with changes in business and regulatory
environments, they often find that the introduction and integration of new or upgraded business applications is more complex than expected, requires significant
implementation resources, takes a long time to implement and is costly. The proliferation of smartphones and mobile platforms necessitates device-independent 
and  future-proof  business  solutions  for  fast,  simple,  and  cost-effective  mobile  deployment.  In  addition,  new  cloud  computing  technologies  present  enterprises
with an opportunity to realize greater agility and meaningful cost savings to businesses, creating a growing need for further changes to enterprises' IT applications
and systems.

18

The enterprise application development software market consists of several application development sub-segments and includes large dominant players such as 
IBM, Microsoft, HP, CA Technologies and Compuware as well as a large number of highly specialized vendors, with focused capabilities for specific vertical
markets. While application development for traditional platforms is a well-established and mature market which is expected to grow globally from $9.4 billion in
2013 to $10.8 billion in 2017 (Gartner, Enterprise Software Markets, Worldwide, 2010 - 2017, 4Q13 Update, December 2013), emerging mobile applications,
systems  and devices are transforming the application development space rapidly. The application  development  for  mobile platforms is expected to grow from
$1.4 billion in 2013 to $4.8 billion in 2017, reflecting a compounded annual growth rate of 36.7% (IDC, Worldwide Mobile Enterprise Application Development
Platform 2013 - 2017 Forecast and 2012 Vendor Shares, November 2013).

We have identified the following trends in the application development market:

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

Increasingly  complex  business  integration:  In  recent  years,  enterprises  operate  multiple  applications  and  platforms,  using  various  programming
languages, resulting in complex enterprise information systems. Such systems and the ability to swiftly change, update, and upgrade them to support new
business  processes  are  crucial  to  the  enterprise's  ability  to  cope  with  changes  in  the  business,  economic  and  regulatory  environment.  However,  the
introduction  and  integration  of  new  business  applications  is  complex,  requires  significant  time  and  human  resources  and  entails  significant  and  often
unpredicted costs. Therefore, enterprises are in need of solutions that will facilitate the rapid and seamless deployment of business applications.

Reusing  IT  assets/enterprise  applications:  In  an  increasingly  dynamic  technology,  business  and  economic  environment,  organizations  face  mounting
pressure to continue to leverage their large IT investments in enterprise applications, such as ERP and CRM, while increasing their ability to change
business  processes  and  support  new  ones.  Tools  to  support  lightweight  yet  rapid,  iterative  and  modular  development  methodologies,  reusable
architectures and application life-cycle management are primary drivers for spending on application development worldwide.

Enterprise  mobility:  With  the  proliferation  of  smartphones  and  mobile  platforms  that  support  enterprise  mobility,  enterprise  users  now  expect  instant
access to real-time information, a rich user experience, seamless integration with various enterprise systems and support to multiple mobile devices. As
such, enterprises need to be able to develop device-independent and robust business solutions for fast and cost-effective mobile deployment.

Cloud,  Platform-as-a-Service  and  Software-as-a-Service:  Cloud,  Platform-as-a-Service  (PaaS)  and  Software-as-a-Service  (SaaS)  are  each  becoming  a
well-established phenomenon in some areas of enterprise IT. Cloud-hosted applications continue to grow as alternatives to internally managed systems
as they deliver greater agility and meaningful cost savings to businesses. In addition, fast time-to-deployment, low cost-of-entry, and adoption of pay-as-
you-go models drive growing adoption of SaaS applications. In turn, Application PaaS allows for higher efficiency for developing SaaS applications and
provides  employment  and  management  capabilities.  With  more  SaaS  deployments,  the  need  for  integration  tools  that  bridge  the  cloud  apps  with  on-
premise application increases.

Big Data: The amount of digital information that is being generated by enterprises each year, across a number of diverse data sources and formats, is
growing rapidly. Enterprises are required to retain, process and analyze data to attain meaningful insights and gain competitive advantages, and therefore
require versatile and flexible tools in order to quickly and reliably process these increasingly large amounts of data.

IT  professional services, which  represent  a  $922 billion  dollar  market  worldwide  (Gartner,  Forecast: IT Services, 2011-2017, 4Q13 Update, December 2013),
comprise  a  broad  array  of  specific  segments  such  as  infrastructure  design  and  delivery,  application  development,  technology  consulting  planning  and
implementation services, support services and supplemental staffing services, in which we operate. In addition, IT professional services include quality assurance,
product  engineering  services  and  process  consulting.  The  global  technology  consulting,  commercial/custom  application  services,  application  outsourcing  and
infrastructure  software  support  markets  are  estimated  by  Gartner  at  approximately  $300  billion  (Gartner,  Forecast:  IT  Services,  2011-2017,  4Q13  Update, 
December 2013).

19

The global information technology service industry is undergoing a slow but profound transition, with some key trends that have accelerated recently. Growing
demand  for  mobile  and  cloud  based  applications  as  well  as  Big  Data  solutions  also  entails  more  complex  IT  development  and  integration  projects  which
management and implementation require a higher level of expertise, In addition, the typical project-based models of IT consulting has been gradually shifting 
towards software and technology-driven solutions that can be embedded into clients' systems, providing ongoing engagement services. This transition has been
accentuated  by  an  underlying  change  in  IT  services  sourcing  processes:  the  need  for  a  faster  go-to-market  process  as  well  as  constrained  resources  in  IT 
departments is resulting in greater influence by specific business units on the purchasing decision as opposed to the traditional sourcing process. The traditional
outsourcing  business  model  of  capacity  on  demand  is  also  transitioning  towards  a  model  of  capability  on demand.  Information  technology  service  buyers  are
increasingly looking at outcome-driven managed services with a tighter integration between software, service and infrastructure.

Business Overview

Our software solutions include application platforms for developing and deploying specialized and high-end large-scale business applications and an integration
platform that allows the integration and interoperability of diverse solutions, applications and systems in a quick and efficient manner. These solutions enable our
customers  to  improve  their  business  performance  and  return  on  investment  by  supporting  the  affordable  and  rapid  delivery  and  integration  of  business
applications, systems and databases. Using our products solutions, enterprises and independent software vendors who we refer to as Magic Software Providers, or
MSPs, can accelerate time-to-market by rapidly building integrated solutions, deploying them in multiple environments while leveraging existing IT resources. In
addition,  our  solutions  are  scalable  and  platform-agnostic,  enabling  our  customers  to  build  solutions  by  specifying  their  business  logic  requirements  in  a
commonly used language rather than in computer code, and to benefit from seamless platform upgrades and cross-platform functionality without the need to re-
write applications. Our technology also enables future proof protection and supports current market trends such as the development of mobile applications that
can be deployed on a variety of smartphones and tablets, and cloud environments. We sell our solutions globally through our own direct sales representatives and
offices  and  through  a  broad  sales  distribution  network,  including  independent  country  distributors,  independent  service  vendors  that  use  our  technology  to 
develop and sell solutions to their customers, and system integrators. We also offer software maintenance, support, training, and consulting services in connection
with our products, thus aiding the successful implementation of projects and assuring successful operation of the platforms once installed. We sell our integration
solutions to customers using specific popular software applications, such as SAP, Salesforce.com, IBM i (AS/400), Oracle JD Edwards, Microsoft SharePoint or
other eco-systems. As such, we enjoy a well diversified client base across geographies and industries including oil & gas companies, telecommunications groups,
financial institutions, industrial companies, public institutions and international agencies.

Our IT services offerings consist of a variety of professional services:

(cid:120)

Infrastructure design and delivery - management of complex, tailor-made projects and telecom infrastructure projects in wireless and wire-line as well as 
IT consulting services.

(cid:120) Application development - development of on-premise, mobile and cloud applications.

(cid:120)

(cid:120)

(cid:120)

Technology  consulting,  planning  and  implementation  services  - planning  and  execution  of  end-to-end,  large-scale,  complex  solutions  in  networking,
cyber security, command & control and high performance transactions systems.

Support services - technical support services through local customer support centers around the world and online customer support centers.

Staffing services to a wide variety of companies - staffing services for technical personnel to supplement the in-house capabilities of our customers.

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We have  developed  particular expertise  and accumulated  vast  experience  in  integration projects. Such  projects  are typically  more complex and  require  a  high
level of industry knowledge and highly skilled professionals. Our integration expertise, as well as our global reach allow us to deliver comprehensive, value add
services to our customers. Our IT services customers include major global telecoms, OEMs and engineering, furnish and installation service companies.

General

Our products enable enterprises to accelerate the planning, development, deployment and integration of on-premise, mobile and cloud business applications that 
can be rapidly customized to meet current and future needs. Our software solutions and professional services empower customers to dramatically improve their
business performance and return on investment by enabling the affordable and rapid delivery, integration and mobilization of business applications, systems and
databases. Our technology and solutions are especially in demand when time-to-market considerations are critical, budgets are tight, and integration is required
with multiple platforms or applications, databases or existing systems and business processes, as well as for RIAs and SaaS. Our technology also provides the
option  to  deploy  our  software  capabilities  in  the  cloud,  hosted  in  a  web  services  cloud  computing  environment.  We  believe  these  capabilities  provide
organizations with a faster deployment path and lower total cost of ownership. Our technology also allows developers to stage multiple applications before going
live in production.

Development communities are facing high complexity, cost and extended pay-back periods in order to deliver cloud, RIAs, mobile and SaaS applications. Magic
xpa  and  Magic  xpi  provide  MSPs  with  the  ability  to  rapidly  build  integrated  applications  in  a  more  productive  manner,  deploy  them  in  multiple  modes  and
architectures as needed, lower IT maintenance costs and speed time-to-market. Our Magic xpi and Magic xpa solutions are comprehensive and industry proven.
These technologies can be applied to the entire software development market, from the implementation of micro-vertical solutions, through tactical application
renovation and process automation solutions, to enterprise spanning SOA migrations and composite applications initiatives. Unlike most competing platforms, we
offer  a  coherent  and  unified  toolset  based  on  the  same  proven  metadata  driven  and  rules-based  declarative  technology.  Metadata  platforms  consist  of  pre-
compiled and pre-written technical and administrative functions, which are essentially ready-made business application coding that enables developers to bypass
the  intensive  technical  code-writing  stage  of  application  development  and  integration  and  move  quickly  and  efficiently  to  deployment.  Through  the  use  of
metadata-driven platforms such as Magic xpa, AppBuilder and Magic xpi, software vendors and enterprise customers can experience unprecedented cost savings
through fast and easy implementation and reduced project risk.

An increasing number of our customers and partners across various markets and industries around the globe are using Magic solutions to develop and deploy
mobile enterprise applications. Some examples include:

(cid:120)

South  African-based  Nictus  Ltd.  chose  our  Enterprise  Mobility  Solution  to  create  integrated  mobile  applications  for  thousands  of  its  financial
services employees and customers that will combine relevant data and processes from its custom CRM and Sage Accpac ERP applications.

(cid:120) U.S.-based  Millennium  MusicMedia  selected  our  Enterprise  Mobility  Solution  to  create  a  cross-channel  SaaS-based  business  application  which
tracks the digital assets and royalties of subscribers, including independent artists, writers, producers and publishers, from desktop, iOS or Android
devices.

(cid:120) Germany’s Rummel Matratzen used the Magic xpa Application Platform to create and deploy an iPad application for its sales team.

(cid:120)

BNP Real Estate, a subsidiary of French bank BNP Paribas that operates in all areas of the real estate business, upgraded and mobilized its key sales
application using the Magic xpa Application Platform.

(cid:120) U.K.-based Cape plc developed a fully certified mobile solution designed to allow construction site managers to access integrated data from a wide

range of enterprise systems and multiple databases, all on a single screen on their mobile device.

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(cid:120) U.S.-based Dove Tree Canyon Software developed a RIA-based solution for deploying its next-generation warehouse management software over 
mobile devices. Having  used our technology to successfully deploy an application  on Windows Mobile  devices, Dove Tree turned  to  Magic xpa
Application Platform to implement its decision to support iOS and Android tablets.

(cid:120)

The Swiss branch of SAGE, a leading vendor of integrated and innovative financial software, mobilized its Prospero suite of financial solutions for
portfolio managers, brokers, traders, and other financial professionals using our Enterprise Mobility Solution.

(cid:120) WellMark LLC, a U.S.-based manufacturer of liquid and pneumatic controls and valves for the oil and gas industry, developed and deployed iPhone
and  iPad  mobile  business  applications  designed  to  allow  users  to  access  pricing,  in-house  and  remote  warehouse  inventory  status  and  customer 
status information.

(cid:120)

BKB GrainCo, a South African leader in the trading, storage, and milling of grain commodities, deployed mobile enterprise apps on mobile devices
running on the BlackBerry platform. Android and iOS versions are currently being developed.

(cid:120) KDDI,  a  leading  Japan-based  telecom  company,  used  our  technology  as  the  back-end  integration  engine  for  its  new  service  connecting 

Salesforce.com with Android smartphones.

We continue to build on existing strategic partnerships that include Oracle JD Edwards, SAP, Salesforce.com, IBM and Microsoft to enhance our mobile and
integration offerings.

In October 2012, we joined the Samsung Enterprise Alliance Program as a Silver Partner. The Samsung Enterprise Alliance Program is an enterprise mobility
ecosystem  targeted  to  leading  independent  software  vendors  and  system  integrators  providing  differentiated  and  unique  solutions  that  enhance  Samsung’s 
offerings to its enterprise customers. By joining forces with this world-leading smartphone and tablet vendor, our direct local sales representatives have access to
Samsung’s global and local sales, marketing, and technical expertise, positioning us well to penetrate the large and fast-growing enterprise mobility market.

In  July  2013,  we also established a partnership  with  Soti,  a  leading  provider  of  MDM  solutions  to distribute their  products  as part  of our  Enterprise Mobility
Solution.

In  September  2013,  we  initiated  a  technology  partnership  with  GigaSpaces  Technologies,  a  pioneer  provider  of  In-Memory  Computing  technology  for
deployment,  management  and  scaling  of  mission-critical  applications.  By  combining  our  technologies,  we  assist  our  customers  in  becoming  cloud-ready  and 
enjoying the benefits of high performance, scalability and availability that can be achieved with in-memory computing technology, all with a seamless migration 
effort and virtually no learning curve. Since the announcement, we have implemented IMDG architecture in our Magic xpi Integration Platform.

In  October  2013,  we  partnered  with  Sugar  CRM,  a  growing  cloud  and  on-premise  CRM  ecosystem  and  Sage,  a  popular  provider  of  ERP  and  other  business
systems to small and medium business, enabling us to provide pre-built connectors for quick and reliable integration with these applications.

Our Products

The underlying principles and purpose of our technology are to provide:

(cid:120)

Simplicity – the use of code-free development tools instead of hard coding and multiple programming languages.

22

(cid:120)

(cid:120)

Business focus – the use of pre-compiled business logic and components eliminates repetitive, low level technical and coding tasks.

Comprehensiveness  – the  use  of  a  comprehensive  development  and  deployment  platform  offers  a  full  end-to-end  development,  deployment  and
integration capability.

(cid:120) Automation of mundane tasks - to accelerate development and maintenance and reduce risk; and

(cid:120)

Interoperability - to support business logic across multiple hardware and software platforms, operating systems and geographies.

We  offer  two  complementary  application  platforms  that  address  the  wide  spectrum  of  composite  applications,  Magic  xpa  and  AppBuilder.  Our  Magic  xpi
integration platform delivers fast and simple integration and orchestration of business processes and applications.

Magic xpa Application Platform

Magic  xpa  Application  Platform,  our  metadata  driven  application  platform,  provides  a  simple,  code-free  and  cost-effective  development  and  deployment
environment that lets organizations and MSPs quickly create user-friendly, enterprise-grade, multi-channel mobile and desktop business app that employ the latest 
advanced functionalities and technologies. The Magic xpa Application Platform, formerly named uniPaaS, was first released in 2008 and is an evolution of our
original  eDeveloper  product,  a  graphical,  rules-based  and  event-driven  framework  that  offered  a  pre-compiled  engine  for  database  business  tasks  and  a  wide 
variety of generic runtime services and functions which was released in 2001.

We have continually enhanced our xpa application platform to respond to major market trends such as the growing demand for cloud based offerings including
RIAs, mobile applications and SaaS. Accordingly, we have added new functionalities and extensions to our application platform, with the objective of enabling
the  development  of  RIAs,  SaaS,  mobile  and  cloud  enabled  applications.  SaaS  is  a  relatively  new  business  and  technical  model  for  delivering  software
applications, similar to a phone or cable TV model, in which the software applications are installed and hosted in dedicated data centers and users subscribe to
these centers and use the applications over an internet connection. This model requires the ability to deliver RIAs. Magic xpa is a comprehensive RIA platform. It
uses a single development paradigm that handles all ends of the application development and deployment process including client and server partitioning and the
inter-communicating layers.

Magic xpa offers customers the power to choose how they deploy their applications, whether full client or web; on-premise or on-demand; in the cloud or behind 
the  corporate  firewall;  software  or  mobile  or  SaaS;  global  or  local.  Our  Magic  xpa  Application  Platform  complies  with  event  driven  and  service  oriented
architectural  principles.  By  offering  technology  transparency,  this  product  allows  customers  to  focus  on  their  business  requirements  rather  than  technological
means. The Magic xpa single development paradigm significantly reduces the time and costs associated with the development and deployment of cloud-based 
applications, including RIAs, mobile and SaaS. In addition, application owners can leverage their initial investment when moving from full client mode to cloud
mode,  and  modify  these  choices  as  the  situation  requires.  Enterprises  can  use  cloud  based  Magic  xpa  applications  in  a  SaaS  model  and  still  maintain  their
databases in the privacy of their own data centers. It also supports most hardware and operating system environments such as Windows, Unix, Linux and AS/400,
as well as multiple databases and is interoperable with .NET and Java technologies.

Magic xpa can be applied to the full range of software development, from the implementation of micro-vertical solutions, through tactical application renovation 
and process automation solutions, to enterprise spanning SOA migrations and composite  applications initiatives. Unlike most competing platforms, we offer a
coherent and unified toolset based on the same proven metadata driven and rules based declarative technology, resulting in increased cost savings through fast
and easy implementation and reduced project risk.

23

In  July  2011,  we  released  Magic xpa  2.0,  which  enables  developers  and  enterprises  to  develop  solutions  in  a  highly  productive  metadata-driven  development 
environment, while enhancing their software offerings with a rich, engaging, standardized and modern user interface. The Magic xpa 2.0 deployment platform is
based on the .NET Framework and enables seamless migration of any legacy Magic application to .NET with minimal effort. Magic xpa 2.0 provides a simple
and gradual migration path from Client/Server applications to RIA deployment and provides new and improved RIA deployment features. It also provides native
mobile clients the ability to fully support the development and deployment of mobile applications.

In  June  2012,  we  released  additional  clients  for  iOS  and  Android  platforms.  Our  mobile  offering  successfully  addresses  even  the  most  complex  work  flow
scenarios, such as deployment of multiple core enterprise applications across multiple back-end systems, and targets the a wide range of smartphones, without 
compromising  functionality  or  security.  This  versatile  solution  enables  smartphone  users  not  only  to  access  a  vast  array  of  mobile  applications,  but  also  to
perform  many  business  tasks,  such  as  securely  accessing  ERP,  CRM,  or  human  resource  systems,  in  real-time  and  from  any  location,  with  the  user-friendly 
experience of their mobile phone.

In October 2013, we released an upgrade to our mobile offering that includes complete off-line capabilities such as disconnected operation, offline SQL database
support, offline file storage and unlimited sync scenario support. This new offering enables customers dealing with mobile solutions in rural areas, underground
facilities or areas without network coverage to continue use their mobile solutions, without disruption. During October 2013, we also announced the release of our
End-to-End Enterprise Mobility Solution that packages Magic xpa, Magic xpi, MDM tools (from SOTI under a white label distribution agreement), and mobility
related professional services to provide customers with a holistic solution to address all critical enterprise mobility requirements.

Our Magic xpa Application Platform was acknowledged in Gartner’s 2013 Magic Quadrant for On-Premise Application Platform as “gaining in popularity versus 
Java as enterprises seek to exploit new technologies to improve developer productivity.”

Magic’s  Enterprise  Mobility  Solution  received  the  2013  Shining  Star  Award  for  Enterprise  Application  Development  from  Mobile  Village  and  also  received
Developer Week’s 2014 Top Innovator Award for Mobile Development.

AppBuilder Application Platform

AppBuilder,  a  platform  we  acquired  in  December  2011,  is  a  development  environment  used  for  managing,  maintaining  and  reusing  complicated  applications
needed by large businesses. It provides the infrastructure for enterprises worldwide, across several industries, with applications running millions of transactions
daily  on  legacy  systems.  Enterprises  using  AppBuilder  can  build,  deploy  and  maintain  large-scale  custom-built  business  applications  for  years  without  being 
dependent on any particular technology. The AppBuilder deployment environments include IBM mainframe, Unix, Linux and Windows. AppBuilder is intended
to increase productivity and agility in the creation and deployment of enterprise class computing.

AppBuilder follows the 4GL development paradigm to help enterprises focus on the business needs and definition and overlook technical hurdles. AppBuilder
developers  define  the  business  roles  and  prior  to  deployment  the  code  is  generated  from  the  development  environment  to  the  required  run  time  environment.
Several large MSPs have utilized AppBuilder to build state of the art applications that are deployed through many large customers.

AppBuilder implements a model driven architecture approach to application development. It provides the ability to design an application at the business modeling
level and generate forward to an application. AppBuilder has a platform-independent, business-rules language that enables generation to multiple platforms. It is 
possible to generate the client part of an application as Java and the server part as COBOL. As businesses change, the server part can be generated as Java without
changing the application logic. Only a simple configuration option needs to be changed.

24

AppBuilder  contains  everything  a  development  environment  needs  to  create  any  type  of  simple  or  complex  business  application  with  platform-independent 
functionality, including:

(cid:120)

System administration security controls for scope and permissions;

(cid:120) Migration, testing, and deployment functions;

(cid:120) Architecture-independent development;

(cid:120) An integrated toolset for designing, developing, and deploying applications;

(cid:120) Object-based components managed from host, server, or client repositories;

(cid:120)

Support for Java/J2EE, COBOL, C#, and C programming languages;

(cid:120) An efficient, cross-platform code generation facility;

(cid:120)

Ready-to-use business logic and libraries;

(cid:120) A remote prepare facility for mainframe development;

(cid:120) Multiple language user interface support; and

(cid:120) DBCS support.

Magic xpi Integration Platform

Our  Magic  xpi  integration  platform  (formerly  branded  iBOLT)  is  a  graphical,  wizard-based  code-free  solution  delivering  fast  and  simple  integration  and 
orchestration of business processes and applications. Magic xpi allows businesses to more easily view, access, and leverage their mission-critical information, 
delivering true enterprise application integration, or EAI, business process management, or BPM, and SOA infrastructure. Increasing the usability and life span of
existing legacy and other IT systems, Magic xpi allows fast EAI, development and customization of diverse applications, systems and databases, assuring rapid
return on invested capital and time-to-market, increased profitability and customer satisfaction.

Magic xpi allows the integration and interoperability of diverse solutions, including legacy applications, in a quick and efficient manner. In January 2010, we
released  Magic  xpi  3.2  and  since  then  we  have  continued  to  develop  the  Magic  xpi  channel.  We  entered  into  agreements  with  additional  system  integrators,
consultancies and service providers, who acquired Magic xpi skills and offer Magic xpi licenses and related services to their customers. We also offer special
editions of Magic xpi targeted at specific enterprise application vendor ecosystems, such as SAP, Oracle JD Edwards, Microsoft Sharepoint and Salesforce.com.
These special editions contain specific features and pricing tailored for these market sectors.

In January 2013, our Magic xpi Integration Platform received the CIO Choice 2013 Honor and Recognition Title for Enterprise Application Integration Software.
The highly competitive CIO Choice program recognizes worldwide vendors that use innovative technology to deliver competitive advantages and enable business
growth.

In April 2013, we released Magic xpi 4.0, a significant major release that provides new capabilities in the areas of high availability, scalability and fault-tolerance 
for  enterprise  integration  solutions.  The  architecture  for  Magic  xpi  4.0  is  based  on  IMDG  technology,  enabling  very  high-availability  and  performance,  while
preserving our easy-to-use and simplicity tradition and allowing existing integration projects to migrate seamlessly to the new release.

25

Our Value Proposition 

Our technology and solutions are especially in demand when budgets are tight and time-to-market considerations are critical. Our technology enables enterprises
to  accelerate  the  process  of  building  and  deploying  business  software  applications  that  can  be  rapidly  customized  to  meet  current  and  future  needs.  Our
development  and  integration  products  empower  customers  to  dramatically  improve  their  business  performance  and  return  on  investment  by  enabling  the
affordable and rapid integration of diverse applications, systems and databases to streamline business processes from within one comprehensive framework.

We address the critical business needs of companies so that they are able to quickly respond to changing market forces and demands. Robust business solutions
are created, deployed and maintained with unrivaled productivity and time-to-market results.

Our Strategy

Our goal is to continue our profitable and cash generative growth within our software solutions and professional services markets. We plan to achieve this goal by
focusing on the following principles:

Expand sales to existing customers. We intend to capitalize on the opportunity to more effectively cross-sell solutions and services across our existing customer 
base.  In  addition  to  selling  complementary  software  solutions  to  customers  that  already  use  our  development  application  solutions,  we  believe  our  strong
customer, MSP and partner relationships and execution track record position us to successfully grow our revenues by delivering complementary development and
integration tools from our product offering to our existing IT services customers and by delivering IT services to our existing application development customer
base.

Capitalize on opportunities created by new technological trends. We believe that emerging industry trends such as mobile applications, cloud applications,
SaaS and big data will require our enterprise customers and partners to continue and upgrade existing systems and to integrate their current infrastructure with
new mobile and cloud applications or with new big data management solutions. We intend to market the capabilities of our software solutions and professional
services offerings to customers that are currently impacted or will potentially be impacted by the increased complexity resulting from these trends. For instance,
we intend to promote Magic xpa through Rich Internet Applications (RIAs).

Grow our customer base through new offerings. We plan to grow our business by attracting new ISV enterprise customers with new technology offerings and
new  professional  services  through  our  already  established  expertise  in  the  areas  of  mobile  technologies  and  projects,  cloud  applications,  SaaS  and  Big  Data
solutions, and integration solutions. Due to our track record in these industry segments, we believe we are well positioned to develop and offer new application
development  and  integration  solutions  that  will  enable  us  to  attract  new  clients.  In  addition,  we  believe  our  familiarity  with  these  verticals  will  allow  us  to
differentiate our IT services offering and grow our market share in this vertical as well.

Provide new solutions to new ecosystems. We expect the same industry trends of mobile, cloud, SaaS and big data to lead to the creation of additional enterprise
applications ecosystems. We intend to continue to develop new solutions that will allow us to form new partnerships, which in turn will grow our revenues. We
also intend to focus on recruiting OEM partners that will incorporate our Magic xpi integration technology into their product offerings.

Acquire  complementary  businesses.  As  part  of  our  growth  strategy,  we  will  continue  to  seek  and  evaluate  opportunities  to  grow  through  acquisitions  of
companies  with  complementary  software  solutions,  technologies  and  related  intellectual  property,  augmenting  integration  and  services  capabilities,  additional
distribution  channels  or  market  share.  We  have  strict  acquisition  policy  pursuant  to  which  we  only  pursue  acquisitions  in  cases  we  identify  as  having  a  clear
business opportunity and a clear path to revenue growth. In addition, we only pursue acquisitions which we believe entail low integration and operational risk as a
result of our internal familiarity with the target or the industry in which it operates, through our network of MSPs, system integrators, distributors, resellers, and
consulting and OEM partners. We intend to balance any investments in such acquisitions with investments in our existing business and our policy of returning
value to shareholders in the form of dividends.

26

Product Development

We  place  considerable  emphasis  on  research  and  development  in  order  to  improve  and  expand  the  functionality  of  our  technology  and  to  develop  new
applications.  We  believe  that  our  future  success  depends  upon  our  ability  to  maintain  our  technological  leadership,  to  enhance  our  existing  products  and  to
introduce new commercially viable products addressing the needs of our customers on a timely basis. We also intend to support emerging technologies as they are
introduced in the same way we have supported new technologies in the past. We will continue to devote a significant portion of our resources to research and
development. We believe that internal development of our technology is the most effective means of achieving our strategic objective of providing an extensive,
integrated and feature-rich development technology.

During  2013,  we  continued  to  release  new  capabilities  and  features  for  Magic  xpa  2.x  and  maintenance  releases  for  Magic  xpi.  In  addition,  in  response  to
significant market demand, in October 2013 we released our new off-line capabilities for the development and deployment of mobile enterprise applications that
enables  our  customers  to  build  solutions  that  can  work  while  not  connected  to  the  internet,  and  continue  and  provide  the  same  level  of  interactivity  and
functionality as when connected. Such off-line capabilities were identified as critical for successful deployment of mobile solutions in many business scenarios,
including areas with limited network coverage and underground facilities.

In April 2013, a new major release of Magic xpi, Magic xpi 4.0 was launched. This new release is based on IMDG technologies and enables our customers to
deploy highly-available, scalable and fault-tolerant integration solutions at a fraction of the cost and complexity of comparable solutions.

Product Related Services

Professional  Services.  We  offer  fee-based  consulting  services  in  connection  with  installation  assurance,  application  audits  and  performance  enhancement,
application  migration  and  application  prototyping  and  design.  Consulting  services  are  aimed  at  generating  both  additional  revenues  and  ensuring  successful
implementation of Magic xpa, Magic xpi and Enterprise Mobility projects through knowledge transfer. As part of management efforts to focus on license sales,
our goal is to provide such activities as a complementary service to our customers and partners. We believe that the availability of effective consulting services is
an important factor in achieving widespread market acceptance.

Services are offered as separately purchased add-on packages or as part of an overall software development and deployment technology framework. Over the last
several years, we have built upon our established global presence to form business alliances with our MSPs that use our technology to develop solutions for their
customers, and distributors to deliver successful solutions in focused market sectors.

Maintenance. We offer our customers annual maintenance contracts providing for unspecified upgrades and new versions and enhancements for our products on
a when-and-if-available basis for an annual fee.

Customer Support. We believe that a high level of customer support is important to the successful marketing and sale of our products. Our in-house technical 
support  group  provides  training  and  post-sale  support.  We  believe  that  effective  technical  support  during  product  evaluation  as  well  as  after  the  sale  has
substantially contributed to product acceptance and customer satisfaction and will continue to do so in the future.

We offer an online support system for our MSPs, providing them with the ability to instantaneously enter, confirm and track support requests through the Internet.
This  system  supports  MSPs  and  end-users  worldwide.  As  part  of  this  online  support,  we  offer  a  Support  Knowledge  Base  tool  providing  the  full  range  of
technical notes and other documentation including technical papers, product information, and answers to most common customer queries and known issues that
have already been reported.

27

Training. We conduct formal and organized training on our development tools. We develop courses, pertaining to our principal products, Magic xpa and Magic
xpi and provide trainer and student guidebooks. Course materials are available both in traditional, classroom courses and as web-based training modules, which 
can be downloaded and studied at the student’s own pace and location. The courses and course materials are designed to accelerate the learning process, using an
intensive technical curriculum in an atmosphere conducive to productive training.

IT Strategic Consulting and Staffing Services

We provide a broad range of IT consulting services in the areas of infrastructure design and delivery, application development, technology planning and 
implementation services, as well as supplemental staffing services. Our wholly-owned subsidiaries, Coretech Consulting Group LLC, Fusion Solutions LLC, 
Xsell Resources Inc., Allstates Consulting Services LLC, and the Comm-IT Group provide advanced IT consulting and staffing services to a wide variety of 
companies including Fortune 1000 companies. Our technical personnel generally supplement the in-house capabilities of our clients. Our approach is to make 
available a broad range of technical personnel to meet the requirements of our clients rather than focusing on specific specialized areas. We have extensive 
knowledge of and have worked with virtually all types of wireless and wireline telecom infrastructure technologies as well as in the areas of infrastructure design 
and delivery, application development, project management, technology planning and implementation services. Our consulting partners come from a wide range 
of industries, including finance, insurance, government, health care, logistics, manufacturing, media, retail and telecommunications. With an experienced team of 
recruiters in the telecom and other IT areas and with a substantial and a growing database of telecom talent, we can rapidly respond to a wide range of 
requirements with well qualified candidates. Our client list includes major global telecoms, OEMs and engineering, furnish and installation service companies. 
We have built long-term relationships with our clients by providing expert telecom talent. We provide individual consultants for contract and contract-to-hire 
assignments as well as candidates for full time placement. In addition, we configure teams of technical consultants for assigned projects at our clients’ sites.

Customers, End-Users and Markets

We market and sell our products and services in more than 50 countries worldwide. The following tables present our revenues by revenue type and geographical 
market for the periods indicated:

Software sales
Maintenance and technical support
Consulting services
Total revenues

Israel
Europe
United States.
Japan
Other

Total revenues

$

$

$

$

28

2011

Year ended December 31,
2012
(In thousands)
23,684
$
22,384
80,312
126,380

$

$

$

23,110
16,751
73,467
113,328

2011

Year ended December 31,
2012
(In thousands)
11,561
$
29,139
64,591
12,661
8,428
126,380

$

$

$

7,982
24,351
60,727
12,111
8,157
113,328

2013

23,254
22,685
99,019
144,958

2013

24,006
31,386
70,872
11,965
6,729
144,958

Our Magic xpa, Magic xpi and AppBuilder technologies are used by a wide variety of developers, integrators and solution providers, that can generally be divided
into two sectors (i) those performing in-house development (corporate IT departments), and (ii) MSPs, including large system integrators and smaller independent
developers, and VARs that use our technology to develop or provide solutions to their customers. MSPs who are packaged software publishers use our technology
to write standard packaged software products that are sold to multiple clients, typically within a vertical industry sector or a horizontal business function.

Among the thousands of customers running their business systems with our technology are the following:

Able B.V
adidas Canada
Adecco Nederland
Agricultural Bank of China
Allstate Life Insurance
ATLAS Grupo Financiero
Seguros y Fianzas

AutoScout24
Aviapartner
Auchan
Banco Caminos
Bank Leumi
BNP Paribas
BSkyB
CBIA
CCV
Çelebi Ground Handling Inc.
Club Med
Electra
Ekro
Euroclear

Sales, Marketing and Distribution

Factory Master
Finanz Informatik
Franken Brunnen
Fujitsu Marketing
Fujitsu-ten
Gakken
GE Capital
GGD Amsterdam
Grange Life Company
Groupe Flo
Grupo Inversionistas en
Autotransportes Mexicanos
Hebrew University of Jerusalem
HONDA
Hitachi Systems
Immobilier
ING Commercial Finance Industry
Industrial Bank of Korea
Invitel
ISS
Lekkerland Nederland BV
Menzies (John Menzies plc)
Nagarjuna Fertilizers & Chemicals ltd.

Japan Chamber of Commerce Lloyds Bank
Nespresso
Newrest
NextiraOne
Nintendo
Phoenix Pharma 
RDC Datacentrum
Rosenbauer
Staff Development Management Systems

(SDMS Ltd)

SECOM Trust Systems
Sodiaal
Stallergenes
Synbra
Tecan
The Himalaya Drug Company
TOA
Total
Temenos
Vinci
Volvo Brazil

We market, sell and support our products through our own global offices and marketing department, as well as through a broad global channel-network of MSPs, 
system integrators, value-added distributors and resellers, and OEM and consulting partners. Our sales force is based in our regional offices in the United States,
Japan, Germany, United Kingdom, Netherlands, France, Hungary, South Africa, India and Israel, and through regional distributors elsewhere. Our sales network
is present in about 50 countries worldwide.

Direct Sales. For Magic xpa, our direct sales force pursues software solution providers and enterprise accounts. Our sales personnel carry out strategic sales with
a direct approach to decision makers, managing a constantly monitored consultative type of sales cycle. Magic xpi is mostly sold through indirect channels and
through our ecosystem business relationships, but we have some direct customers with integration needs.

As of December 31, 2013, we had approximately 136 sales personnel including a team of sales engineers who provide pre-sale technical support, presentations
and demonstrations in order to support our sales force. 

29

Indirect Sales. We maintain an indirect sales channel for Magic xpi, through our ecosystem business relationships, as well as through system integrators, value
added  distributors  and  resellers,  OEM  partners,  as  well  as  consultancies  and  service  providers.  We  maintain  an  indirect  sales  channel  for  Magic  xpa  and
AppBuilder through MSPs and system integrators, who use our application and integration platforms to develop and deploy different applications for sale to their
end-user customers.

Distributors. In general, we distribute our products through regional non-exclusive distributors in those countries where we do not have a sales office. A regional
distributor is typically a software marketing organization with the capability to add value with consulting, training and support. Distributors that are also MSPs
are  generally  responsible  for  the  implementation  of  both  our  application  platform  and  business  and  process  integration  suite  and  localization  into  their  native
languages.  The  distributors  also  translate  our  marketing  literature  and  technical  documentation.  Distributors  must  undergo  our  program  of  sales  and  technical
training.  Marketing,  sales,  training,  consulting,  product  and  client  support  are  provided  by  the  local  distributor.  We  are  available  for  backup  support  for  the
distributor and for end-users. In coordination with the local subsidiaries and distributors, we also provide sales support for large and multinational accounts. We
have 44 distributors in Europe, Latin America and Asia, many of whom are also MSPs.

VARs. In general, we resell our products through VARs that extend their capabilities with our offerings. These include SAP VARs.

Global Marketing Activities. We carry out a wide range of marketing activities aimed at generating awareness of our solutions offerings. Among our activities,
we focus on online marketing, including a content-rich website available in eight foreign languages, social networks communication, search engine optimization,
on-line advertising, lead generation campaigns, public relations, case studies, blogs, industry analyst relations, attendance at conferences and trade shows and lead
generation campaigns around key professional white papers and webinars. We conduct distributor and user conferences to update our worldwide affiliates and
user base on our new product offerings, marketing and promotional activities, pricing, best practices, technical information and other information. In 2012, we
expanded our Facebook, Twitter, You Tube channel and LinkedIn communities, which now include thousands of loyal and active followers.

In light of the increased impact of cloud and enterprise mobility technologies on the IT landscape, in 2011 we commenced a strategic marketing repositioning
initiative  that  led  to  a  complete  rebranding  of  our  products’ look,  feel  and  naming  (to  emphasize  that  our  products  belong  to  the  same  technology  stack),
messaging, as well as a refined definition of our market positioning, value proposition and corporate values. In June 2012, we launched the new branding after we
completed the strategic repositioning and designed a fresh and dynamic new logo, a new corporate tagline as well as fully re-written web site in English and seven
other languages. To expand our community of developers and reach out to new audiences around the world, we run an ongoing introductory campaign, which
offers Magic xpa Single User Edition as a freely downloadable product. Magic xpa Single User Edition is an ideal gateway for new developers who want to join
Magic  Software’s  global  community  and  take  advantage  of  new  opportunities  as  their  businesses  grow.  Thousands  of  developers  around  the  world  have
downloaded, learned and used Magic xpa Single User Edition, and we are confident that this campaign will increase their understanding, awareness and adoption
of our application platform.

In  2013,  we  implemented  the  Salesforce.com  CRM  platform  globally  and  are  now  able  to  connect  all  our  lead  generation  campaigns  with  our  sales  pipeline
management. With this new CRM system in place, we have aligned all our local offices to work according to the same global sales and marketing processes. In
2014, we will implement an integration project of our Salesforce and SAP systems using our own integration platform Magic xpi. Rollout is planned for June
2014.

Competition

The markets for our Enterprise Mobility Solution, and Magic xpa and Magic xpi platforms are characterized by rapidly changing technology, evolving industry
standards,  frequent  new  product  introductions,  mergers  and  acquisitions,  and  rapidly  changing  customer  requirements.  These  markets  are  therefore  highly
competitive,  and  we  expect  competition  to  continue  to  intensify.  The  growth  of  the  SaaS  and  mobile  markets  increases  the  competition  in  these  areas.  We
constantly follow and analyze the market trends and our competitors in order to effectively compete in these markets and avoid losing market share to our direct
competitors and other players.

30

With Magic xpa, we compete in the application platform, SOA architecture and enterprise mobility markets.  Among our current competitors are Kony, IBM,
Microsoft, Adobe, Oracle, SAP Sybase and Antenna Software/Pegasystems. With Magic xpi, we compete in the integration platform market. Among our current
competitors are IBM, Informatica, TIBCO, and Software AG.

There are several similar products in the market utilizing the model driven architecture, or MDA, approach utilized by AppBuilder. The market for this type of
platform is highly competitive. Companies such as CA and IBM have tools that compete directly with AppBuilder. Furthermore, new development paradigms
have become very popular in IT software development and developers today have many alternatives.

Additional competitors may enter each of our markets at any time. Moreover, our customers may choose to develop internally the functionality and capabilities
our current product line offers them and therefore they may also compete with us.

Our goal is to maintain our technological advantages, time to market and worldwide sales and distribution network. We believe that the principal competitive
factors affecting the market for our products include developer productivity, rapid results, product functionality, performance, reliability, scalability, portability,
interoperability, ease-of-use, demonstrable economic benefits for developers and users relative to cost, quality of customer support and documentation, ease of
installation, vendor reputation  and  experience, financial stability as  well as  intuitive and out-of-the-box solutions to  extend  the capabilities  of ERP, CRM and 
other application vendors for enterprise integration.

Intellectual Property 

We  do  not  hold  any  patents  and  rely  upon  a  combination  of  copyright,  trademark,  trade  secret  laws  and  contractual  restrictions  to  protect  our  rights  in  our
software  products.  Our  policy  has  been  to  pursue  copyright  protection  for  our  software  and  related  documentation  and  trademark  registration  of  our  product
names. Also, our key employees and independent contractors and distributors are required to sign non-disclosure and secrecy agreements.

We provide our products to customers under a non-exclusive, non-transferable license. Usually, we have not required end-users of our products to sign license
agreements.  Generally,  a  “shrink  wrap” license  agreement  is  included  in  the  product  packaging,  which  explains  that  by  opening  the  package  seal,  the  user  is
agreeing to the terms contained therein. It is uncertain whether license agreements of this type are legally enforceable in all of the countries in which the software
is marketed.

Our trademark rights include rights associated with our use of our trademarks and rights obtained by registration of our trademarks. We have obtained trademark
registrations in South Africa, Canada, China, Israel, the Netherlands (Benelux), Switzerland, Thailand, Japan, the United Kingdom and the United States. The 
initial terms of the registration of our trademarks range from 10 to 20 years and are renewable thereafter. Our use and registration of our trademarks do not ensure
that we have superior rights to others that may have registered or used identical or related marks on related goods or services. We have registered a copyright for
our software in the United States and Japan. Also, we have registered copyrights for some of our manuals in the United States and have acquired an International
Standard Book Number (ISBN) for some of our manuals. Our copyrights expire 70 years from date of first publication.

We  do  not  believe  that  patent  laws  are  a  significant  source  of  protection  for  our  products  since  the  software  industry  is  characterized  by  rapid  technological
changes, the policing of the unauthorized use of software is a difficult task and software piracy is expected to continue to be a persistent problem for the packaged
software industry. As there can be no assurance that the above-mentioned means of legal protection will be effective against piracy of our products, and since
policing unauthorized use of software is difficult, software piracy can be expected to be a persistent potential problem.

31

We believe that because of the rapid pace of technological change in the software industry, the legal protections for our products are less significant factors in our
success  than  the  knowledge,  ability  and  experience  of  our  employees,  the  frequency  of  product  enhancements  and  the  timeliness  and  quality  of  our  support
services.

C.

ORGANIZATIONAL STRUCTURE

Asseco, a Polish company listed on the Warsaw Stock Exchange, has a 46.3% interest in our controlling shareholder, Formula Systems (1985) Ltd., an Israeli
publicly-traded  company  (NASDAQ:  FORTY).  As  of  February  18,  2014,  Formula  Systems  beneficially  owned  51.5%  of  our  outstanding  ordinary  shares.
Formula  Systems  is  an  international  holding  company  principally  engaged,  through  its  subsidiaries,  in  providing  IT  software  consulting  services,  developing
proprietary software products and producing computer-based solutions.

The following table sets forth the legal name, location and country of incorporation and percentage ownership of each of our subsidiaries as of December 31,
2013:

Subsidiary Name
Magic Software Japan K.K
Magic Software Enterprises Inc.
Magic Software Enterprises (UK) Ltd.
Hermes Logistics Technologies Limited
Magic Software Enterprises Spain Ltd
Coretech Consulting Group, Inc.
Coretech Consulting Group LLC
Magic Software Enterprises (Israel) Ltd
Magic Software Enterprises Netherlands B.V
Magic Software Enterprises France
Magic Beheer B.V
Magic Benelux B.V
Magic Software Enterprises GMBH
Magic Software Enterprises India Pvt. Ltd
Onyx Magyarorszag Szsoftverhaz
Fusion Solutions LLC.
Xsell Resources Inc.
Magix Integration (Proprietary) Ltd
Complete Business Solutions Ltd
AppBuilder Solutions UK
CommIT Technology Solutions Ltd
CommIT Software Ltd (shares held by Comm-IT Technology Solutions Ltd.)
CommIT Embedded Ltd (shares held by Comm-IT Technology Solutions Ltd.)
Valinor Ltd. (shares held by Comm-IT Technology Solutions Ltd.)
Dario Solutions IT Ltd (shares held by Comm-IT Technology Solutions Ltd.)
Pilat Europe Ltd
Pilat (North America), Inc.
BridgeQuest Labs, Inc. 
BridgeQuest, Inc. 
Allstates Consulting Services LLC

32

Country of
Incorporation
Japan
Delaware
United Kingdom
United Kingdom
Spain
Pennsylvania
Delaware
Israel
Netherlands
France
Netherlands
Netherlands
Germany
India
Hungary
Delaware
Pennsylvania
South Africa
Israel
United Kingdom
Israel
Israel
Israel
Israel
Israel
United Kingdom
New Jersey
North Carolina
North Carolina
Delaware

Ownership
Percentage

100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
96.3%
100%
80%
100%
51%
100%
100%
100%
100%
100%
100%
100%

D.

PROPERTY, PLANTS AND EQUIPMENT

Our headquarters and principal administrative, finance, sales, marketing and research and development office is located in a 39,321 square foot office facility that
we  lease  in  Or  Yehuda,  Israel,  a  suburb  of  Tel  Aviv.  We  pay  an  aggregate  annual  rent  of  $0.4  million  for  the  facilities  under  a  lease  agreement  expiring  in
December 2014. We have an option to terminate the lease upon six months prior written notice.

Our  subsidiaries  lease  office  space  in  Laguna  Hills,  California;  King  of  Prussia,  Pennsylvania;  Dallas,  Texas;  Paris,  France;  Munich,  Germany;  Pune,  India;
Bangalore,  India;  Tokyo,  Japan;  Budapest,  Hungary;  Houten,  the  Netherlands;  Johannesburg,  South  Africa;  Bracknell,  the  United  Kingdom;  and  Israel.  The
aggregate annual cost for such facilities was $1.9 million in the year ended December 31, 2013.

ITEM 4 A. UNRESOLVED STAFF COMMENTS

Not applicable.

ITEM 5.

OPERATING AND FINANCIAL REVIEW AND PROSPECTS

A.

OPERATING RESULTS

The  following  discussion  of  our  results  of  operations  should  be  read  together  with  our  consolidated  financial  statements  and  the  related  notes,  which  appear
elsewhere in this annual report. The following discussion contains forward-looking statements that reflect our current plans, estimates and beliefs and involve
risks and uncertainties. Our actual results may differ materially from those discussed in the forward-looking statements. Factors that could cause or contribute to 
such differences include those discussed below and elsewhere in this annual report.

Background

We were organized under the laws of Israel in February 1983 and began operations in 1986. Our ordinary shares have been listed on the NASDAQ Stock Market
(symbol:  MGIC)  since  our  initial  public  offering  in  the  United  States  on  August  16,  1991.  On  January  3,  2011,  our  shares  were  transferred  to  the  NASDAQ
Global Select Market. Since November 16, 2000, our ordinary shares have also traded on the Tel Aviv Stock Exchange, or TASE, and since December 15, 2011,
our shares have been included in the TASE’s TA-100 Index.

Overview

We develop market, sell and support application platforms and business and process integration solutions. We have 25 active wholly-owned subsidiaries in the 
United States, Europe, Asia, South Africa and Israel. Our subsidiaries are engaged in developing, marketing and supporting vertical applications, as well as in
selling and supporting our products, and six of our subsidiaries provide a broad range of advanced IT consulting and staffing services.

As an IT technology innovator, we have many years of experience in assisting software companies and enterprise software companies worldwide to produce and
integrate their business applications. Our application platforms, Magic xpa and AppBuilder, are used by thousands of enterprises and MSPs to develop solutions 
for their users and customers in approximately 50 countries. We also refer to these MSPs as Magic service providers, or MSPs. We also provide maintenance and
technical support as well as professional services to our enterprise customers and to MSPs. In addition, we sell our Magic xpi technology for business integration
to customers using specific popular software applications, such as SAP, Salesforce.com, IBM i (AS/400) or Oracle JD Edwards and other business applications.
We refer to these vendor-centered market sectors as ecosystems.

33

Strategy and Focus Areas 

Our  vision  of  how  the  industry  will  evolve  is  being  driven  by  the  change  in  enterprise  mobility,  RIAs  and  cloud  computing.  This  transition  appears  to  be
progressing as we expected. We believe that our technology will allow us to expand our offerings into the cloud and mobile enterprise markets with speed, scale
and  flexibility.  We  intend  to  remain  focused  on  both  the  technology  and  business  architectures  that  will  enable  our  customers  to  take  advantage  of  the  cost
efficiencies and competitive advantages conveyed by these technologies. We intend to continue to prudently take advantage of opportunities to capture market
transitions and to put our assets to use in existing and new markets as the recovery continues. We believe that our strategy and our ability to innovate and execute
may enable us to improve our competitive position in difficult business conditions and may continue to provide us with long-term growth opportunities.

Key Factors Affecting our Business

Our operations and the operating metrics discussed below have been, and will likely continue to be affected by certain key factors as well as certain historical
events  and  actions.  The  key  factors  affecting  our  business  and  results  of  operations  include  among  others, dependence  on  a  limited  number  of  core  product 
families  and  services,  competition,  ability  to  realize  benefits  from  business  acquisitions,  dependence  on  a  key  customer  for  a  significant  percentage  of  our
revenues and  changes in  the mix of  revenues generated by  different  revenue elements  affect  our gross  margins  and  profitability. For further discussion  of the
factors affecting our results of operations, see “Risk Factors.”

Dependence on a limited number of core product families and services

We derive a significant portion of our revenues from sales of application and integration platforms primarily under our Magic xpa, Magic xpi and AppBuilder
brands  and  from  related  professional  services,  software  maintenance  and  technical  support  as  well  as  from  other  IT  professional  services,  which  include  IT
consulting and staffing services. Our future growth depends heavily on our ability to effectively develop and sell new products developed by us or acquired from
third  parties  as  well  as  add  new  features  to  existing  products.  A  decrease  in  revenues  from  our  principal  products  and  services  would  adversely  affect  our
business, results of operations and financial condition.

Competition

We  compete  with  other  companies  in  the  areas  of  application  platforms,  business  integration  and  business  process  management,  and  in  the  applications  and
services markets in which we operate. The growth of the SaaS and Enterprise Mobility market has increased the competition in these areas. We expect that such
competition will continue to increase in the future, both with respect to our technology, applications and services which we currently offer and applications and
services  which  we  and  other  vendors  are  developing.  Increased  competition,  direct  and  indirect,  could  adversely  affect  our  business,  financial  condition  and
results of operations.

We also compete with other companies in the technical IT consulting and staffing services industry. This industry is highly competitive and fragmented and has
low entry barriers. We, through four of our subsidiaries in the United States and five of our subsidiaries in Israel, compete for potential clients with providers of
outsourcing  services,  systems  integrators,  computer  systems  consultants,  other  providers  of  technical  IT  consulting  services  and,  to  a  lesser  extent,  temporary
personnel agencies. We expect competition to increase, and we may not be able to remain competitive.

Some of our existing and potential competitors are larger companies, have substantially greater resources than us, including financial, technological, marketing,
skilled human resources and distribution capabilities, and enjoy greater market recognition than us. We may not be able to differentiate our products and services
from  those  of  our  competitors,  offer  our  products  as  part  of  integrated  systems  or  solutions  to  the  same  extent  as  our  competitors,  or  successfully  develop  or
introduce  new  products  that  are  more  cost-effective,  or  offer  better  performance  than  our  competitors.  Failure  to  do  so  could  adversely  affect  our  business,
financial condition and results of operations.

34

Dependence on a key customer for our principal IT professional services subsidiary

The revenues in one of our principal IT professional services subsidiaries are dependent upon Ericsson, which is currently our largest customer, accounting for
25%, 19% and 13% of our total revenues for the years ended December 31, 2011, 2012 and 2013, respectively. We do not know if, or for how much longer,
Ericsson  will  continue  to  utilize  the  IT  professional  services  of  such  subsidiary.  A  significant  decrease  in  revenues  from  Ericsson  may  adversely  affect  our
business, results of operations and financial condition.

Revenue Mix

We  derive  our  revenues  from  the  sale  of  software  licenses,  related  professional  services,  maintenance  and  technical  support  as  well  as  from  IT  professional
services. Our gross margin is affected by the proportion of our revenues generated from the sale of each of those elements of our revenues. Our revenues from the
sale  of  our  software  licenses,  related  professional  services,  maintenance  and  technical  support  have  higher  gross  margins  than  our  revenues  from  other  IT
professional  services.  Our  software  licenses  revenues  include  the  sale  of  third  party  software  licenses,  which  have  a  lower  gross  margin  than  sales  of  our
proprietary software products. Any increase in the portion of third party software license sales out of total license sales will decrease our gross profit margin. If
the relative proportion of our revenues from the sale of IT professional services increases as a percentage of our total revenues, our gross profit margins may
decline in the future.

We may encounter difficulties in realizing the potential financial or strategic benefits of recent and future business acquisitions.

It  is  a  part  of  our  business  strategy  to  pursue  acquisitions  and  other  initiatives  in  order  to  expand  our  product  offerings  or  services  or  otherwise  enhance  our
market  position  and  strategic  strengths.  In  the  past  we  made  a  number  of  acquisitions,  including:  (i)  our  distributor  in  South  Africa,  Magix  Integration
(Proprietary)  Ltd.,  or  Magix  Integration,  which  specializes  in  the  software  integration  and  application  development  of  our  platforms  as  well  as  the  support  of
large-scale and complex systems in the public and financial sectors in South Africa; (ii) the AppBuilder activity of BluePhoenix Solutions Ltd, a development
platform  for  managing,  maintaining,  and  reusing  business  applications  required  by  large-scale  enterprises;  (iii)  Complete  Business  Solutions  Ltd.,  a  software
solution provider and a Business Partner of SAP; (iv) Comm-IT Group, a software and systems development house that specializes in providing advanced IT and
communications  services  and  solutions,  project  and  product  consultation,  installation  and  implementation  of  databases  and  software  integration;  (v)  Dario
Solutions IT Ltd., a provider of software integration and software solutions for large and mid-range customers in Israel and Microsoft Gold Level Partner; (vi) 
Valinor  Ltd.,  a  Microsoft  Certified  Partner  and  a  Oracle  Gold  Level  Partner  that  specializes  in  project  and  product  consultation,  and  the  installation  and
implementation of databases; and (vii) the enterprise division of Allstates Technical Services, LLC, a U.S.-based full-service provider of consulting and staffing
solutions for IT, Engineering and Telecom personnel.

Mergers  and  acquisitions  of  companies  are  inherently  risky  and  subject  to  many  factors  outside  of  our  control  and  no  assurance  can  be  given  that  our  future
acquisitions will be successful and will not adversely affect our business, operating results, or financial condition. In the future, We may seek to acquire or make
strategic investments in  complementary businesses, technologies,  services or  products,  or enter  into  strategic partnerships  or alliances  with  third  parties in the
future in order to expand our business. Failure to manage and successfully integrate acquisitions could materially harm our business and operating results. Prior
acquisitions  have  resulted  in  a  wide  range  of  outcomes,  from  successful  introduction  of  new  products  and  technologies  to  a  failure  to  do  so.  Even  when  an
acquired company has previously developed and marketed products, there can be no assurance that new product enhancements will be made in a timely manner or
that pre-acquisition due diligence will have identified all possible issues that might arise with respect to such products.

(cid:120)

If we acquire another business, we may face difficulties, including: Difficulties in integrating the operations, systems, technologies, products, and
personnel of the acquired businesses or enterprises;

35

(cid:120) Diversion  of  management’s  attention  from  normal  daily  operations  of  the  business  and  the  challenges  of  managing  larger  and  more  widespread

operations resulting from acquisitions;

(cid:120)

Potential difficulties in completing projects associated with in-process research and development;

(cid:120) Difficulties in entering markets in which we have no or limited direct prior experience and where competitors in such markets have stronger market

positions;

(cid:120)

(cid:120)

Insufficient revenue to offset increased expenses associated with acquisitions; and

The  potential  loss  of  key  employees,  customers,  distributors,  vendors  and  other  business  partners  of  the  companies  we  acquire  following  and
continuing after announcement of acquisition plans.

Impact of Currency Fluctuations and of Inflation 

Our  financial  statements  are  stated  in  U.S.  dollars,  our  functional  currency.  However,  a  substantial  portion  of  our  revenues  and  costs  are  incurred  in  other
currencies, particularly NIS, Euros, Japanese yen, and the British pound. We also maintain substantial non-U.S. dollar balances of assets, including cash, accounts 
receivable, and liabilities, including accounts payable. Therefore, fluctuations in the value of the currencies in which we do business relative to the U.S. dollar
may adversely affect our business, results of operations and financial condition. The depreciation of such other currencies in relation to the U.S. dollar has the
effect of reducing the U.S. dollar value of any of our liabilities which are payable in those other currencies (unless such costs or payables are linked to the U.S.
dollar). Such depreciation also has the effect of decreasing the U.S. dollar value of any asset that is denominated in such other currencies or receivables payable in
such other currencies (unless such receivables are linked to the U.S. dollar). In addition, the U.S. dollar value of revenues and expenses denominated in such other
currencies would increase. Conversely, the appreciation of any currency in relation to the U.S. dollar has the effect of increasing the U.S. dollar value of any
unlinked  assets  and  the  U.S.  dollar  amounts  of  any  unlinked  liabilities  and  increasing  the  U.S.  dollar  value  of  revenues  and  expenses  denominated  in  other
currencies.

In addition, while we incur a portion of our costs in NIS, the U.S. dollar cost of our operations in Israel is influenced by the extent to which any increase in the
rate of inflation in Israel is (or is not) offset, or is offset on a lagging basis, by a devaluation of the NIS in relation to the U.S. dollar.

Because exchange rates between the NIS, euro, Japanese Yen and the British pound and the U.S. dollar fluctuate continuously, exchange rate fluctuations and
especially larger periodic devaluations will have an impact on our profitability and period-to-period comparisons of our results. We cannot assure you that in the 
future our results of operations may not be adversely affected by currency fluctuations.

The following table sets forth for the periods indicated, depreciation or appreciation of the U.S. dollar against the most important currencies for our business and
the Israeli consumer price index:

New Israeli Shekel
Euro
Japanese Yen
British Pound
Israeli Consumer Price Index

Segments

Year Ended December 31,
2009

2010

2011

2012

2013

0.7%
3.5%
(1.4%)
10.9%
4.0%

6.4%
(7.4)%
13.4%
(4.4)%
2.6%

(7.1)%
(3.2)%
5.0%
(0.4)%
2.2%

2.3%
2.0%
(11.2)%
4.6%
1.6%

7.0%
4.3%
(22.1)%
1.9%
1.8%

We report our results on the basis of two reportable business segments: software services (which include proprietary and non-proprietary software technology and
complementary services) and IT professional services. Set forth below is segment information for the years ended December 31, 2011, 2012 and 2013.

36

2011
Total revenues
Expenses
Operating income (loss)

2012
Total revenues
Expenses
Operating income (loss)

2013
Total revenues
Expenses
Operating income (loss)

Software services

IT professional 
services
(U.S. dollars in thousands)

Unallocated
expense

Total

$

$

$

$

$

$

58,137
44,086
14,051

65,410
50,497
14,913

67,453
53,164
14,290

$

$

$

$

$

$

55,191
50,468
4,723

60,970
55,456
5,514

77,505
68,846
8,658

$

$

$

$

$

$

$

-
4,057
(4,057) $

$

-
4,019
(4,019) $

$

-
3,821
(3,821) $

113,328
98,611
14,717

126,380
109,972
16,408

144,958
125,832
19,127

Explanation of Key Income Statement Items

Revenues.  Revenues  are  derived  from  sales  of  software  licenses  (proprietary  and  non-proprietary),  related  professional  services,  maintenance  and  technical
support and other IT professional services, which include IT consulting and staffing services. Revenues may continue to be affected by factors including market
uncertainty, which can  result  in  cautious spending in our  global markets; changes  in  the  geopolitical environment; sales cycles; fluctuation  of exchange  rates;
changes in the mix of direct sales and indirect sales and variations in sales channels.

Cost of Revenues. Cost of revenues for software sales consist primarily of software production costs, royalties and licenses payable to third parties, as well as
amortization of capitalized and acquired software costs. Cost of revenues for maintenance and technical support and professional services consists primarily of
personnel  expenses,  subcontracting  and  other  related  costs.  Cost  of  revenues  for  software  sales  is  affected  by  changes  in  the  mix  of  products  sold;  price
competition; sales discounts; fluctuation of exchange rates; and increases in labor costs. Service gross margin may be impacted by various factors such as the
change in mix between technical support services and advanced IT professional services, the timing of technical support service contract initiations and renewals
and the timing of our strategic investments in headcount and resources to support this business.

Research and Development Expenses, Net. Research and development costs consist primarily of personnel expenses of employees engaged in on-going research 
and  development  activities,  subcontracting,  development  tools  and  other  related  expenses.  The  capitalization  of  software  development  costs  is  applied  as
reductions to gross research and development costs to calculate net research and development expenses.

The following table sets forth the gross research and development costs, capitalized software development costs, and the net research and development expenses
for the periods indicated:

37

Gross research and development costs
Less capitalized software development costs
Research and development expenses, net

2011

Year ended December 31
2012
(U.S. dollars in thousands)

2013

$

$

7,269
(5,222)
2,047

$

$

7,916
(4,969)
2,947

$

$

8,419
(4,713)
3,706

Selling  and  Marketing  Expenses.  Selling  and  marketing  expenses  consist  primarily  of  salaries  and  related  expenses  for  sales  and  marketing  personnel,  sales
commissions,  marketing  programs  and  campaigns,  website  related  expenses,  public  relations,  on-line  advertising,  industry  analyst  relations,  promotional 
materials, travel expenses and conferences and trade shows exhibit expenses, as well as amortization of acquired customer relationships.

General and Administrative Expenses. General and administrative expenses consist primarily of salaries and related expenses for executive, accounting, human
resources and administrative personnel, professional fees, provisions for doubtful accounts, and other general and administrative corporate expenses.

Financial income (expenses), net. Net financial income (expenses) consists primarily of interest earned on cash equivalents deposits and marketable securities,
bank fees and interest paid on loans received, interest expenses related to liabilities in connection with acquisitions and currency translation adjustments.

Results of Operations

The following table presents selected consolidated statement of operations data for the periods indicated as a percentage of total revenues:

Revenues:
Software
Maintenance and technical support
Consulting services
Total revenues

Cost of revenues:

Software
Maintenance and technical support
Consulting services

Total cost of revenues

Gross profit
Operating costs and expenses:

Research and development, net
Selling and marketing,
General and administrative

Total operating expenses, net

Operating income
Financial income (expenses), net
Other income, net
Income before taxes on income
Tax benefit (taxes on income)
Net income attributable to non-controlling interests
Net income attributable to Magic’s shareholders

38

Year ended December 31,
2012

2013

2011

20.4%
14.8
64.8
100.0%

18.8%
17.7
63.5
100.0%

16.0%
15.7
68.3
100.0%

5.1
2.0
52.3
59.4
40.6

1.8
17.8
8.1
27.7
12.9
0.2
0.1
13.2
0.2
(0.1)
13.3

5.9
2.6
49.6
58.1
41.9

2.3
18.2
8.4
28.9
13.0
-
0.1
13.1
(0.1)
(0.2)
12.8

4.6
2.1
52.6
59.3
40.7

2.6
15.9
9.0
27.5
13.2
0.5
0.0
12.7
(1.0)
(0.7)
11.0

Year Ended December 31, 2013 Compared With Year Ended December 31, 2012

Revenues. Revenues in 2013 increased by 14.7% from $126.4 million in 2012 to $145.0 million in 2013. Revenues from the software services business segment
increased by 3.1% from $65.4 million in 2012 to $67.5 million in 2013 primarily attributable to an increase in our project activity which was partially offset by
the negative impact of the devaluation of the Japanese Yen against the U.S. dollar. Revenues from the IT professional services business segment increased by
27%  from  $61.0  million  in  2012  to  $77.5  million  in  2013  primarily  attributable  to  increased  demand  for  our  professional  services  and  to  the  inclusion  of  the
professional services revenues of the Comm-IT Group for a full year.

Revenues from sales of software licenses decreased by 3.6% from $18.7 million in 2012 to $18.0 million in 2013. The decrease in sales of licenses was primarily
attributable to the devaluation of the Japanese Yen versus the U.S. dollar, having a negative impact of approximately $1.6 million, which was partially offset by
the appreciation of the euro versus the U.S. dollar, having a positive impact of approximately $ 0.2 million.

Revenues  from  sales  of  applications  increased  by  5%  from  $5.0  million  in  2012  to  $5.2  million  in  2013.  The  increase  in  sales  of  applications  was  primarily
attributable to of our consolidating the results of operations of Pilat (North America) and Pilat Europe for the first time in 2013, which was partially offset by a
decrease in sales of third party software and by the negative impact attributable to the devaluation of the Japanese Yen versus the U.S. dollar.

Revenues from maintenance and technical support increased by 1.3% from $22.4 million in 2012 to $22.7 million in 2013.

Revenues from IT consulting services increased by 23.3% from $80.3 million in 2012 to $99.0 million in 2013. The increase was primarily attributable to the
acquisition of the Comm-IT Group in July 2012 and whose operations were included for a full year in 2013) and to the increasing demand for our professional
services in Europe, Israel and Japan. Revenues from IT consulting services were positively impacted by the $0.8 million gain attributable to the appreciation of
the New Israeli Shekel versus the U.S. dollar that was partially offset by the devaluation of the Japanese Yen versus the U.S. dollar.

The following table presents our revenues by geographical market for the years ended December 31, 2012 and 2013:

Year ended December 31,

2012

2013

Israel
Europe
United States
Japan
Other
Total revenues

$

$

$

(In thousands)
11,561
29,139
64,591
12,661
8,428
126,380

$

24,006
31,386
70,872
11,965
6,729
144,958

Cost  of  Revenues.  Cost  of  revenues  increased  by  17%  from  $73.4  million  in  2012  to  $85.9  million  in  2013.  Cost  of  revenues  for  licenses  amounted  to
approximately  $4.4  million  in  2012  and  2013.  Cost  of  revenues  for  applications  decreased  by  26.9%  from  $3.0  million  in  2012  to  $2.2  million  in  2013.  The
decrease in cost of revenues for applications was primarily attributable to the decrease in sales of third party software and by the positive impact attributable to
the devaluation of the Japanese Yen against the U.S. dollar.

Cost of revenues for maintenance and technical support decreased by 8.9% from $3.2 million in 2012 to $2.9 million in 2013 primarily attributable to increased
operating discipline.

39

Cost of revenues  for IT  consulting services increased by  21.7% from $62.7 million in 2012 to $76.3 million in 2013.  The increase in cost of revenues  for IT
consulting services was primarily attributable to the inclusion of the costs of revenues of the Comm-IT Group for a full year and the cost of revenues of Pilat 
(North  America)  and Pilat  Europe  in 2013. Cost  of  revenues for  the  years  ended  December  31,  2012  and  2013  include  $16,000  and  $11,000,  respectively,  of
stock-based compensation recorded under ASC 718.

Gross Profit. Gross profit in 2012 was 42% compared to gross profit of 41% in 2013.

Research  and  Development Expenses, Net.  Gross research and development costs increased by  6.4% from $7.9 million in 2012 to $8.4 million in 2013. Net
research  and  development  expenses  increased  by  25.8%  from  $2.9  million  in  2012  to  $3.7  million  in  2013.  In  2013,  we  capitalized  $4.7  million  of  software
development costs compared to $5.0 million in 2012. Net research and development costs as a percentage of revenues was 2.6% in 2013 compared to 2.3% in
2012. The increase in research and development costs is primarily attributable to our additional investment in 2013 in our application development and integration
platforms  and  in  acquired  application  products.  Research  and  development  expenses  for  the  years  ended  December  31,  2012  and  2013  include  $114,000  and
$67,000, respectively, of stock-based compensation recorded under ASC 718.

Selling  and  Marketing  Expenses.  Selling  and  marketing  expenses  amounted  to  approximately  $23.0  million  in  both  2012  and  2013.  Selling  and  marketing
expenses  as  a  percentage  of  revenues  decreased  from  18.0%  in  2012  to  15.9%  in  2013.  The  decrease  in  selling  and  marketing  expenses  as  a  percentage  of
revenues is primarily attributable to our focus on operational discipline, seeking efficiency and cost savings. Selling and marketing expenses for the years ended
December 31, 2012 and 2013 include $82,000 and $85,000, respectively, of stock-based compensation recorded under ASC 718.

General and Administrative Expenses. General and administrative expenses increased by 24% from $10.6 million in 2012 to $13.2 million in 2013. General and
administrative expenses as a percentage of revenues increased to 9.1% in 2013 compared to 8.4% in 2012. The increase in general and administrative expenses is
primarily attributable to the acquisitions of subsidiaries consolidated for the entire year for the first time in 2013 and an additional expense of $0.2 million related
to  the  change  in  valuation  of  contingent  consideration  of  one  of  our  subsidiaries,  partly  offset  by  the  decrease  in  stock-based  compensation.  General  and
administrative expenses for the years ended December 31, 2012 and 2013 include $303,000 and $162,000, respectively, of stock-based compensation recorded 
under ASC 718.

Other Income, Net. We recorded other income, net of $0.1 million in 2012 and nil in 2013. Other income, net in 2012 is attributable to proceeds from the sale of
the assets of CarPro Systems Ltd. which we sold in December 2006.

Financial Income (expenses), Net. We recorded financial expenses of nil in 2012 and $0.7 million in 2013. Our financial expense, net in 2013 was primarily
attributable to the realized losses mainly on our account receivables recorded due to unfavorable foreign currency exchange rates and acquisition related costs.

Taxes  on  Income.  We  recorded  taxes  on  income of  $0.1  million  in  2012  compared  to  $1.6  million  in  2013.  Our  taxes  on  income  in  2013  were  primarily
attributable to current taxes  recorded  in our subsidiaries due to local tax  authorities in Japan,  Europe and Israel  and  to  the decrease  of our deferred tax  assets
recorded with respect to utilization of carry-forward tax losses.

Net Income Attributable to our Shareholders. Our net income decreased from $16.2 million in 2012 to $15.9 million in 2013. The decrease in net income was
primarily  attributable  to  an  approximately  $1.0  million  increase  in  amortization  of  capitalized  software  and  other  intangible  assets  and  financial  expenses
attributable to realized losses mainly on our account receivables recorded due to unfavorable foreign currency exchange rates offset by the increase in our gross
profit and operating income.

40

Year Ended December 31, 2012 Compared With Year Ended December 31, 2011 

Revenues. Revenues in 2012 increased by 12% from $113.3 million in 2011 to $126.4 million in 2012. Revenues from the software services business increased
by 12.5%  from  $58.1  million  in 2011  to  $65.4  million  in  2012, primarily  due  to the inclusion  of  AppBuilder  sales for  a full  year after  the  acquisition  of  this
activity  in  December  2011.  Revenues  from  the  IT  professional  services  business  increased  by  10.5%  from  $55.2  million  in  2011  to  $61.0  million  in  2012,
primarily  due  to  the  July  2012  acquisition  of  Comm-IT  Group,  a  software  and  systems  development  house  that  specializes  in  providing  advanced  IT  and
communications services and solutions.

Revenues from sales of licenses increased by 6% from $17.6 million in 2011 to $18.7 million in 2012. The increase in sales of licenses was mainly due to the
inclusion of AppBuilder sales for a full year after the acquisition of this activity in December 2011, as well as the increase in demand for our software in Japan.
Revenues  from  sales  of  applications  decreased  by  11%  from  $5.6  million  in  2011  to  $5.0  million  in  2012.  [why?]  Revenues  from  maintenance  and  technical
support increased by 34% from $16.8 million in 2011 to $22.4 million in 2012, primarily as a result of the inclusion of the AppBuilder activity for a full year in
2012. Revenues from IT consulting services increased by 9% from $73.5 million in 2011 to $80.3 million in 2012, primarily as a result of the acquisition of the
Comm-IT Group in July 2012 as well as an increased demand for our professional services in the U.S.

The following table presents our revenues by geographical market for the years ended December 31, 2011 and 2012:

Year ended December 31,

2011

2012

Israel
Europe
United States
Japan
Other
Total revenues

$

$

$

(In thousands)
7,982
24,351
60,727
12,111
8,157
113,328

$

11,561
29,139
64,591
12,661
8,428
126,380

Cost of Revenues. Cost of revenues increased by 9% from $67.3 million in 2011 to $73.4 million in 2012. Cost of revenues for licenses increased by 19% from
$3.7 million in 2011 to $4.4 million in 2012, primarily due to the amortization of intangible assets associated with the development costs for our proprietary and
acquired software. Cost of revenues for applications increased by 46% from $2.1 million in 2011 to $3.0 million in 2012, primarily due to the inclusion for a full
year of the costs associated with Complete Business Solutions Ltd., which we acquired in May 2011. Cost of revenues for maintenance and technical support
increased by 44% from $2.2 million in 2011 to $3.2 million in 2012, mainly due to the inclusion of the costs associated with AppBuilder activity for a full year.
Cost of  revenues  for  IT  consulting  services  increased  by  6% from  $59.2  million in  2011  to  $62.7 million  in  2012, primarily due  to  the  inclusion  of  the  costs
associated with the Comm-IT Group for the period subsequent to its acquisition in July 2012. Cost of revenues for the years ended December 31, 2011 and 2012
include $4,000 and $16,000, respectively, of stock-based compensation recorded under ASC 718.

Gross Profit. Gross profit in 2011 was 41% compared to gross profit of 42% in 2012. The increase in our gross profit margin was mainly due to the change in the
mix  of  our  revenues,  primarily  resulting  from  the  increase  in  licenses  and  maintenance  and  technical  support  revenues,  which  carry  higher  margins  than  our
revenues from IT consulting services.

Research  and  Development  Expenses,  Net.  Gross  research  and  development  costs  increased  by  8%  from  $7.3  million  in  2011  to  $7.9  million  in  2012.  Net
research  and  development  expenses  increased  by  38%  from  $2.1  million  in  2011  to  $2.9  million  in  2012.  In  2012,  we  capitalized  $5.0  million  of  software
development  costs  compared  to  $5.2  million  in  2011.  The  increase  in  gross  research  and  development  costs  is  mainly  due  to  the  inclusion  of  research  and
development costs related to the AppBuilder activity for a full year. Net research and development costs as a percentage of revenues was 2.3% in 2012 compared
to 1.8% in 2011. Research and development expenses for the years ended December 31, 2011 and 2012 include $54,000 and $114,000, respectively, of stock-
based compensation recorded under ASC 718.

41

Selling and Marketing Expenses. Selling and marketing expenses increased by 14% from $20.1 million in 2011 to $23.0 million in 2012. Selling and marketing
expenses as a percentage of revenues remained relatively consistent at 18% in both 2012 and 2011. The increase in the absolute amount of selling and marketing
expenses is primarily due to the amortization of intangible assets associated with acquisitions, an increase in sales commissions resulting from the increase in our
revenues, an increase in worldwide selling and marketing activities and expenses relating to our 2012 repositioning initiative that led to a complete rebranding of
our  products.  Selling  and  marketing  expenses  for  the  years  ended  December  31,  2011  and  2012  include  $92,000  and  $82,000  respectively,  of  stock-based 
compensation recorded under ASC 718.

General and Administrative Expenses. General and administrative expenses increased by 15% from $9.2 million in 2011 to $10.6 million in 2012. General and
administrative expenses as a percentage of revenues increased to 8.4% in 2012 compared to 8% in 2011. The increase in general and administrative expenses is
primarily  due  to  the  inclusion  of  the  general  and  administrative  expenses  of  subsidiaries  that  were  consolidated  for  a  full  year  in  2012,  offset  in  part  by  the
decrease in stock-based compensation. General and administrative expenses for the years ended December 31, 2011 and 2012 include $483,000 and $303,000,
respectively, of stock-based compensation recorded under ASC 718.

Other Income, Net. We recorded other income, net of $0.1 million in 2011 and 2012. Other income, net in 2011 and 2012 was attributable to proceeds from the
sale of the assets of CarPro Systems Ltd. which we sold in December 2006.

Financial Income, Net. We recorded financial income, net of $221,000 in 2011 and financial income, net of $10,000 in 2012. Our financial income net in 2011
was primarily attributable to interest received on bank deposits offset by depreciation of the British pound against the U.S. dollar, which adversely affected the
U.S.  dollar  value  of  British  pound  denominated  assets  and  finance  expenses  related  to  unwinding  of  reserves  in  connection  with  liabilities  arising  from
acquisitions. Our financial income, net in 2012 was immaterial.

Taxes on Income (Tax benefit). We recorded a tax benefit of $0.2 million in 2011 compared to a tax expense of $0.1 million in 2012. The tax benefit in 2011
was derived from a change in a deferred income tax assets recorded with respect to carryforward tax losses in Israel. Our tax expenses in 2012 was derived from
tax expenses paid to tax authorities in Japan and Europe and from the decrease in our deferred income tax assets recorded with respect to carryforward tax losses.

Net Income Attributable to our Shareholders. Our net income increased from $15 million in 2011 to $16.2 million in 2012. The increase in net income in 2012 is
mainly attributable to our acquisition of the AppBuilder activity in December 2011 and the acquisition of the Comm-IT Group in July 2012.

Conditions in Israel

We are  organized under the laws of Israel, and our  principal executive offices  and most  of  our research and development facilities are located  in  the State  of
Israel. See Item 3D “Key Information - Risk Factors - Risks Relating to Our Location in Israel” for a description of governmental, economic, fiscal, monetary or 
political polices or factors that have materially affected or could materially affect our operations.

42

Corporate Tax Rate

An Israeli company is subject to tax on its worldwide income. An Israeli company that is subject to Israeli taxes on the income of its non-Israeli subsidiaries will 
receive  a  credit  for  income  taxes  paid  by  the  subsidiary  in  its  country  of  residence,  subject  to  certain  conditions.  Israeli  tax  payers  are  also  subject  to  tax  on
income  from  a  controlled  foreign  corporation,  according  to  which  an  Israeli  company  may  become  subject  to  Israeli  taxes  on  certain  income  of  a  non-Israeli 
subsidiary, if such subsidiary’s primary source of income is passive income (such as interest, dividends, royalties, rental income, or capital gains).

The  Israeli  corporate  tax  rate  was  24%  in  2011,  25%  in  2012  and  25%  in  2013.  The  corporate  tax  rate  increased  to  26.5%  in  2014.  Certain  production  and
development  facilities  at  our  facility  in  Or-Yehuda  have  been  granted  “approved  enterprise” status  under  the  Law  for  Encouragement  of  Capital  Investments, 
1959, commonly referred to as the Investment Law, and we are, therefore, eligible for certain tax benefits. Subject to compliance with applicable requirements,
the portion of our income derived from the approved enterprise programs will be tax-exempt for a period of two to four years commencing in the first year in
which an approved enterprise generates taxable income and will be subject, for a period of five to eight years, to a reduced corporate tax (such reduced tax rates
are dependent on the level of foreign investments in the company). However, these benefits will not be available to us with respect to any income derived by our
non-Israeli subsidiaries. As of December 31, 2013 the benefit periods under the Law have not yet commenced.

In 2005, an amendment to the Investment Law, or the 2005 amendment, came into effect that has significantly changed the provisions of the Investment Law.
However, the 2005 amendment provides that terms and benefits included in any certificate of approval granted prior to the 2005 amendment will remain subject
to the provisions of the Investment Law as they were on the date of such approval. Therefore, our existing approved enterprise programs will generally not be
subject to the provisions of the 2005 amendment.

The 2005 amendment limits the scope of enterprises which are eligible to receive tax benefits, such as generally requiring that at least 25% of the enterprise’s 
income  will  be  derived  from  export.  Additionally,  the  2005  amendment  enacted  major  changes  in  the  manner  in  which  tax  benefits  are  awarded  under  the
Investment Law so that companies no longer require Investment Center approval in order to qualify for tax benefits. Such an enterprise is a Privileged Enterprise,
rather  than  the  previous  terminology  of  Approved  Enterprise.  The  period  of  tax  benefits  for  a  new  Privileged  Enterprise  commences  in  the  "Year  of
Commencement,” which is the later of: (1) the year of election, or (2) the year in which taxable income is first generated by the company after the election year.

As a result of the 2005 amendment, tax-exempt income will subject us to taxes upon distribution or liquidation and we may be required to record deferred tax
liability with respect to such tax-exempt income. As of December 31, 2013, we did not generate income under the provision of the 2005 amendment.

In December 2010, the Knesset passed the Law for Economic Policy for 2011 and 2012 (Amended Legislation), 2011, which, among other things, includes an
amendment  to  the  Investment  Law,  effective  as  of  January  1,  2011.  According  to  the  2010  amendment,  the  benefit  tracks  under  the  Investment  Law  were
modified  and  a uniform  tax  rate will  apply  to companies eligible  for the "Preferred Enterprise"  status. In  order  to  be  eligible for  preferred  enterprise status,  a
company must meet minimum requirements to establish that it contributes to the country's economic growth and is a competitive factor for the gross domestic
product. Companies may elect to irrevocably implement the 2010 amendment (while waiving benefits provided under the Investment Law as currently in effect)
and subsequently would be subject to the amended tax rates as follows: in peripheral regions (Development Area A) the reduced tax rate is 10% in 2011 and
2012,  7%  in  2013  and  9%  in  2014.  In  other  regions  the  tax  rate  is  15%  in  2011  and  2012,  12.5%  in  2013  and  16%  in  2014.  Certain  "Special  Industrial
Companies" that meet certain criteria (somewhat equivalent to the criteria for the Strategic Investment Track noted above) will enjoy further reduced tax rates of
5% in Zone A and 8% elsewhere. The profits of these Industrial Companies will be freely distributable as dividends, subject to a 20% withholding tax (or lower,
under  an  applicable  tax  treaty)as  of  January  1,  2014.  Preferred  Enterprises  in  peripheral  regions  will  be  eligible  for  Investment  Center  grants,  as  well  as  the
applicable reduced tax rates.

As of December 31, 2013, our consolidated net operating loss carry-forwards for Israeli tax purposes was approximately $12.4 million. Under current Israeli tax
laws,  operating  loss  carry-forwards  do  not  expire  and  may  be  offset  against  future  taxable  income.  As of  December  31,  2013,  our  subsidiaries  in  Europe  had
estimated total available tax loss carry-forwards of $5.3 million, which may be offset against future taxable income.

43

As of December 31, 2013, our subsidiaries in the U.S. had estimated total available tax loss carryforwards of $ 2.8 million, which can be carried forward and
offset against taxable income in the future for up to 20 years, from the year the loss was incurred.

We have received final tax assessments through the year 2009 from the Israeli tax authorities.

B.

Liquidity and Capital Resources

Historically, we have financed our operations through income generated by operations, proceeds of our public offerings in 1991 (approximately $8.5 million),
1996  (approximately  $5.0  million)  and  2000  (approximately  $79.6  million),  private  equity  investments  in  1998  (approximately  $12.2  million)  and  2010
(approximately $20.3 million) and research and development and marketing grants primarily from the Government of Israel. In addition, we have also financed
our operations through short-term loans and borrowings under available credit facilities.

In  December 2010,  we raised approximately $20.3 million, net of issuance expenses, in a private placement to institutional investors in the United States and
abroad. We issued an aggregate of 3,287,616 ordinary shares at a price of $6.50 per share in the offering. Certain of the purchasers also received warrants to
purchase up to an aggregate of 1,134,231 ordinary shares at an exercise price of $8.26 per share. The warrants have a term of three years and six months, expiring
on  June  23,  2014,  and  the  exercise  price  is  subject  to  future  adjustment  for  various  events,  such  as  stock  splits  or  dividend  distributions.  If  the  warrants  are
exercised in full, we will receive additional proceeds of approximately $9.4 million. Following our dividend distributions declared with record dates of October 2,
2012, February 25, 2013 and August 25, 2013, with respect to the warrants issuance agreement, the exercise price was adjusted to from $8.26 per share to $7.75
per share as of December 31, 2013.

As of December 31, 2013, we had approximately $35.0 million in cash and cash equivalents and working capital of approximately $44.7 million, compared to
approximately $37.7 million in cash and cash equivalents and working capital of approximately $44.2 million as of December 31, 2012. The decrease in cash and
cash equivalent is primarily attributable an increase in funds used in our business acquisitions.

As  of  December  31,  2013,  our  long-term  and  short  term  debt  was  $3.3  million.  As  of  December  31,  2012,  our  long-term  and  short  term  debt  was  less  than
$25,000.

We  believe  that  our  accumulated  cash,  in  conjunction  with  cash  generated  from  operations  and  available  funds,  will  be  sufficient  to  meet  our  cash
requirements for working capital and capital expenditures for at least the next 12 months. We expect that cash provided by operating activities may fluctuate in
future periods as a result of a number of factors, including fluctuations in our operating results, accounts receivable collections, and the timing and amount of tax
and other payments.

We  believe  the  overall  credit  quality  of  our  portfolio  is  strong,  with  our  cash  equivalents  and  fixed  income  portfolio  invested  in  securities  with  a
weighted-average credit rating exceeding A. Our fixed income and publicly traded equity securities are classified as either Level 1 or Level 2 investments, as
measured  under  ASC  820,  “Fair  Value  Measurements  and  Disclosures,” as  these  vendors  either  provide  a  quoted  market  price  in  an  active  market  or  use
observable inputs.

44

Cash Flows

The following table summarizes our cash flows for the periods presented:

Net income from operations
Adjustments to reconcile net income to net cash provided by operating activities:
Net cash provided by operating activities
Net cash used in investing activities
Net cash provided by (used in) financing activities
Effect of exchange rate changes on cash and cash equivalents
Increase (decrease) in cash and cash equivalents from  operations

$

$

15,266
28
15,238
(29,828)
(503)
143
(14,950)

$

16,460
6,488
22,948
(10,426)
(3,425)
(64)
9,033

16,856
5,424
22,280
(21,707)
(3,328)
145
(2,610)

2011

Year ended December 31,
2012
(U.S. dollars in thousands)

2013

Net cash provided by operating activities was $22.3 million for the year ended December 31, 2013, compared to $22.9 million and $15.2 million for the years
ended December 31, 2012 and 2011, respectively. Net cash provided by operations in 2013 consists primarily of $16.9 million of net income adjusted for non-
cash  activities,  including  $8.4  million  of  depreciation  and  amortization  expenses,  a  $1.2  million  decrease  in  trade  receivables,  $683,000  decrease  in  deferred
income taxes, net and $325,000 of stock compensation expenses, offset by a $2.4 million decrease in accrued expenses and other accounts payable, a $1.6 million
decrease in deferred revenues, a $700,000 decrease in trade payables and a $160,000 increase in other long-term and short term accounts receivable and prepaid 
expenses. Net cash provided by operations in 2012 consists primarily of our $16.5 million of net income adjusted for non-cash activities, including $7.4 million of
depreciation  and  amortization  expenses,  a  $780,000  increase  in  trade  payables,  a  $1.1  million  decrease  in  deferred  income  taxes,  net  and  $515,000  of  stock
compensation expenses, offset by a $2.3 million decrease in accrued expenses and other accounts payable and a $1.1 million decrease in deferred revenues. Net
cash  provided  by  operations  in  2011  consisted  consists  primarily  of  $15.3  million  of  net  income  adjusted  for  non-cash  activities,  including  $5.0  million  of
depreciation  and  amortization  expenses,  a  $1.6  million  increase  in  deferred  revenues,  a  $953,00  increase  in  accrued  expenses  and  other  accounts  payable,
$633,000 of stock compensation expenses and a $446,000 increase in trade payables, offset by a $5.4 million increase in trade receivables, a $1.8 million increase
in other long-term and short term accounts receivable and prepaid expenses and a $1.7 million change in deferred taxes.

Net cash used in investing activities was approximately $21.7 million for the year ended December 31, 2013, compared to net cash used in investing activities of
approximately $10.4 million for the year ended December 31, 2012 and net cash used in investing activities of approximately $29.8 million for the year ended
December 31, 2011. Net cash used in investing activities in 2013 is primarily attributable to $16.6 million used in business acquisitions and $497,000 used to
purchase  property  and  equipment.  Net  cash  used  in  investing  activities  in  2012  is  primarily  attributable  to  $7.6  million  used  in  connection  with  business
acquisitions, which was significantly lower than in 2011, $5.0 million of capitalized software development costs $1.4 million of investments in short-term bank 
deposits and $510,000 used to purchase property and equipment, partially offset by proceeds of $3.6 million from short-term bank deposits, $343,000 in proceeds
upon  the  maturity  of  marketable  securities  and  $136,000  from  the  sale  of  a  subsidiary’s  operation.  Net  cash  used  in  investing  activities  in  2011  is  primarily
attributable  to  $23.6  million  used  in  connection  with  business  acquisitions,  $24.2  million  invested  in  short-term  bank  deposits,  $5.2  million  of  capitalized 
software development costs and $497,000 used to purchase property and equipment, offset by $22.0 million proceeds from short-term bank deposits and $1.6 
million received upon the maturity of marketable securities.

45

Net cash used in financing activities was approximately $3.3 million for the year ended December 31, 2013, primarily attributable to dividend distributions in an
amount  equal  to  $7.8  million,  offset  by  $3.3  million  in  long-term  loans  and  $1.5  million  received  from  the  exercise  of  employee  options.  Net  cash  used  in
financing activities was approximately $3.4 million for the year ended December 31, 2012, primarily attributable to a dividend distribution of $3.7 million, offset
in part by proceeds of $309,000 received from the exercise of employee options. Net cash used in financing activities was approximately $500,000 for the year
ended December 31, 2011, primarily attributable to $1.4 million used to purchase of a non-controlling interest in Magix Integration, partially offset by proceeds
of $875,000 received from the exercise of employee options.

In October 2012, we paid a cash dividend of $0.10 per share ($3.7 million in the aggregate) to our shareholders of record on October 2, 2012, and in March 2013,
we paid a cash dividend of $0.12 per share ($4.4 million in the aggregate) to our shareholders of record on February 25, 2013. In September 2013, we paid a cash
dividend of $0.09 per share ($3.4 million in the aggregate) to our shareholders of record on August 21, 2013. The distributed amounts were consistent with our
Board of Directors’ dividend policy to distribute a dividend of up to 50% of our annual distributable profits each year, subject to any law. Our Board of Directors
may at its discretion and at any time, change, whether as a result of a one-time decision or a change in policy, change the rate of dividend distributions or decide
not to distribute a dividend. For information about our dividend policy and distributions see Item 8A “Financial Information - Consolidated Statements and Other
Financial Information.”

General 

Our consolidated financial statements appearing in this annual report have been prepared in U.S. dollars and in accordance with U.S. GAAP.

Transactions and balances originally denominated in dollars are presented at their original amounts. Transactions and balances in currencies other than the U.S.
dollar  are  converted  into  dollars  in  accordance  with  the  Financial  Accounting  Standards  Board,  or  FASB,  Accounting  Standards  Codification,  or  ASC,  830
“Foreign Currency Matters.” The majority of our sales are made outside of Israel and a substantial part of them is in dollars. In addition, a substantial portion of
our costs is incurred in dollars. Since the dollar is the primary currency of the economic environment in which we and certain of our subsidiaries operate, the
dollar  is  our  functional  and  reporting  currency  and  accordingly,  monetary  accounts  maintained  in  currencies  other  than  the  dollar  are  remeasured  into  dollars
using the foreign exchange rate in effect at each balance sheet date. Operational accounts and non-monetary balance sheet accounts are measured and recorded at 
the exchange rate in effect at the date of the transaction. For certain foreign subsidiaries whose functional currency is other than the U.S. dollar, all balance sheet
accounts have been translated using the exchange rates in effect at each balance sheet date. Operational accounts have been translated using the average exchange
rate prevailing during each year. The resulting translation adjustments are reported as a component of accumulated other comprehensive income (loss) in equity.

Critical Accounting Policies and Estimations

We  have  identified  the  policies  below  as  critical  to  the  understanding  of  our  financial  statements.  The  preparation  of  our  consolidated  financial  statements  in
conformity  with  U.S.  GAAP  requires  management  to  make  estimates  and  assumptions  in  certain  circumstances  that  affect  the  amounts  reported  in  the
accompanying  financial  statements  and  the  related  footnotes.  Actual  results  may  differ  from  these  estimates.  To  facilitate  the  understanding  of  our  business
activities, certain of our accounting policies that we believe are the most important to the portrayal of our financial condition and results of operations and that
require  management’s  subjective  judgments  are  described  below.  We  base  our  judgments  on  our  experience  and  various  assumptions  that  we  believe  are
reasonable.

Revenue Recognition

We derive our revenues from licensing the rights to use our software (proprietary and non-proprietary), provision of related professional services, maintenance
and technical support as well as from other IT professional services. We sell our products primarily through direct sales force and indirectly through distributors
and value added resellers.

46

We account for our software sales in accordance with ASC 985-605. Software license revenue is recognized when persuasive evidence of an arrangement exists,
delivery has occurred, the vendor’s fee is fixed or determinable, no further obligation exists and collectability is probable.

As required by ASC 985-605, “Software Revenue Recognition,” or ASC 985-605, we determine the value of the software component of our multiple-element 
arrangements using the residual method when vendor specific objective evidence, or VSOE, of fair value exists for the undelivered elements of the support and
maintenance agreements. VSOE is based on the price charged when an element is sold separately or renewed. Under the residual method, the fair value of the
undelivered  elements  is  deferred  and  the  remaining  portion  of  the  arrangement  fee  is  allocated  to  the  delivered  elements  and  is  recognized  as  revenue.
Maintenance and support revenue included in multiple element arrangements is deferred and recognized on a straight-line basis over the term of the maintenance
and support agreement.

Our  revenues  from  maintenance  and  support  are  derived  from  annual  maintenance  contracts  providing  for  unspecified  upgrades  for  new  versions  and
enhancements on a when-and-if-available basis for an annual fee. The right for an unspecified upgrade for new versions and enhancements on a when-and-if-
available basis do not specify the features, functionality and release date of future product enhancements for the customer to know what will be made available
and the general timeframe in which it will be delivered.

We  generally  do  not  grant  a  right  of  return  to  our  customers.  When  a  right  of  return  exists,  we  defer  revenue  until  the  right  of  return  expires,  at  which  time
revenue is recognized provided that all other revenue recognition criteria are met.

Revenue  from  professional  services  both  related  to  software  and  IT  professional  services  businesses  consists  of  billable  hours  for  services  provided  and  is
recognized as the services are rendered.

Arrangements that include professional services bundled with licensed software and other software related elements, are evaluated to determine whether those
services  are  essential  to  the  functionality  of  other  elements  of  the  arrangement.  When  services  are  considered  essential  to  the  software,  revenues  under  the
arrangement  are  recognized  using  contract  accounting  based  on  ASC  605-35,  “Construction-Type  and  Production-Type  Contracts,” or  ASC  605-35,  on  a 
percentage of completion method based on inputs measures. Provisions for estimated losses on uncompleted contracts are made in the period in which such losses
are first determined, in the amount of the estimated loss for the entire contract. During the years ended December 31, 2011, 2012 and 2013, no such estimated
losses were identified.

When professional services are not considered essential to the functionality of other elements of the arrangement, revenue allocable to the consulting services is
recognized  as  the  services  are  performed,  using  the  VSOE  fair  value.  In  most  cases,  we  have  determined  that  the  services  are  not  considered  essential  to  the
functionality of other elements of the arrangement.

Deferred revenue includes unearned amounts received under maintenance and support contracts, and amounts received from customers but not yet recognized as
revenues.

Revenue from third-party sales is recorded at a gross or net amount according to certain indicators. The application of these indicators for gross and net reporting
of revenue depends on the relative facts and circumstances of each sale and requires significant judgment.

Research and development costs

Research  and  development  costs  incurred  in the  process  of  software  development  before  establishment  of  technological  feasibility  are  charged  to  expenses  as
incurred. Costs incurred subsequent to the establishment of technological feasibility are capitalized according to the principles set forth in ASC 985-20, “Costs of 
Software to be Sold, Leased or Marketed.” We establish technological feasibility upon completion of a detailed program design or working model.

47

Research and development costs incurred in the process of developing product enhancements are generally charged to expenses as incurred.

Capitalized software costs are amortized on a product by product basis, by the straight-line method over the estimated useful life of the software product (between
3 to 5 years). We assess the recoverability of these intangible assets on a regular basis by determining whether the amortization of the assets over their remaining
economic useful lives  can be recovered  through  undiscounted future operating cash flows  from  the specific software  product sold. As of December 31, 2011,
2012 and 2013, no impairment losses have been identified.

Business Combinations

We account for business combinations under ASC 805 “Business Combinations,” which requires that we allocate the purchase price of acquired businesses to
assets acquired, liabilities assumed, non-controlling interest and redeemable non-controlling interest in the acquiree at the acquisition date, measured at their fair
values as of that date. We expense acquisition-related expenses and restructuring costs as they are incurred. In addition, changes in valuation allowance related to
acquired deferred tax assets and in acquired income tax position are to be recognized in earnings. We engage third-party appraisal firms to assist management in
determining the fair values of certain assets acquired and liabilities assumed. Such valuations require management to make significant estimates and assumptions,
especially with respect to intangible assets.

Management  makes  estimates  of  fair  value  based  upon  assumptions  it  believes  to  be  reasonable.  These  estimates  are  based  on  historical  experience  and
information  obtained  from  the  management  of the  acquired  businesses  and  relevant  market  and  industry  data  and  are,  inherently, uncertain.  Critical  estimates
made  in  valuing  certain  of  the  intangible  assets  include,  among  other  things,  the  following:  (i)  future  expected  cash  flows  from  license  sales,  maintenance
agreements,  customer  contracts and  acquired  developed  technologies  and  patents;  (ii)  expected  costs  to  develop  the  in-process  research  and  development  into
commercially  viable  products  and  estimated  cash  flows  from the  projects  when  completed;  (iii) the  acquired  company’s  brand  and  market  position  as  well  as
assumptions  about  the  period  of  time  the  acquired  brand  will  continue  to  be  used  in  the  combined  company’s  product  portfolio;  and  (iv)  discount  rates.
Unanticipated events and circumstances may occur which may affect the accuracy or validity of such assumptions, estimates or actual results. Changes to these
estimates,  relating  to  circumstances  that  existed  at  the  acquisition  date,  are  recorded  as  an  adjustment  to  goodwill  during  the  purchase  price  allocation  period
(generally within one year of the acquisition date) and as operating expenses, if otherwise.

In connection with purchase price allocations, we estimate the fair value of the support obligations assumed in connection with acquisitions. The estimated fair
value of the support obligations is determined utilizing a cost build-up approach. The cost build-up approach determines fair value by estimating the costs related 
to fulfilling the obligations plus a normal profit margin. The sum of the costs and operating profit approximates, in theory, the amount that we would be required
to pay a third party to assume the support obligation. See Note 3 to our consolidated financial statements for additional information on accounting for our recent
acquisitions.

Variable Interest Entities

ASC 810, “Consolidation,” provides a framework for identifying variable interest entities, or VIEs, and determining when a registrant should include the assets,
liabilities, non-controlling interests and results of activities of a VIE in its consolidated financial statements.

The assessment of whether an entity is a VIE and the determination of the primary beneficiary requires judgment and involves the use of significant estimates and
assumptions.  Those  include,  among  other  things,  forecasted  cash  flows,  their  respective  probabilities  and  the  economic  value  of  certain  preference  rights.  In
addition,  such  assessment  also  involves  estimates  of  whether  a  group  entity  can  finance  its  current  activities,  until  it  reaches  profitability,  without  additional
subordinated financial support.

48

Effective January 1, 2010, we adopted an updated guidance for the consolidation of VIEs. The guidance implements a qualitative approach, based on which an
enterprise should consolidate a VIE if it has both (i) the power to direct the economically significant activities of the entity; and (ii) the obligation to absorb losses
of, or the right to receive benefits from, the entity that could potentially be significant to the variable interest entity. Determination about whether an enterprise
should consolidate a VIE is required to be evaluated continuously as changes to existing relationships or future transactions.

A U.S.-based consulting and staffing services business that we acquired through one of our wholly-owned subsidiaries on January 17, 2010 is considered to be a 
VIE. The subsidiary is the primary beneficiary of the VIE, as a result of the fact that it holds the power to direct the activities of the acquired business, which
significantly impacts its economic performance, and has the right to receive the benefits accruing from the acquired business.

Goodwill

As a result of our acquisitions, our goodwill represents the excess of the purchase price in a business combination over the fair value of net tangible and intangible
assets acquired.

Goodwill  was  allocated  to  the  reporting  segments  at  acquisition.  We  follow  ASC  350,  “Intangibles  – Goodwill  and  Other,” or  ASC  350,  and  perform  our 
goodwill annual impairment test for each of our reporting units at December 31 of each year, or more often if indicators of impairment are present.

As  required  by  ASC  350,  we  compare  the  fair  value  of  each  reporting  unit  to  its  carrying  value  (‘step  1’).  If  the  fair  value  exceeds  the  carrying  value  of  the 
reporting unit net assets, goodwill is considered not impaired, and no further testing is required. If the carrying value exceeds the fair value of the reporting unit,
then the implied fair value of goodwill is determined by subtracting the fair value of all the identifiable net assets from the fair value of the reporting unit. An
impairment loss is recorded for the excess, if any, of the carrying value of goodwill over its implied fair value (‘step 2’).

As  required  by  ASC  820,  “Fair  Value  Measurements  and  disclosures,” or  ASC  820,  we  apply  assumptions  that  market  place  participants  would  consider  in
determining the fair value of each reporting unit.

In September 2011, the FASB issued ASU 2011-08 which amends the rules for testing goodwill for impairment. Under the new rules, an entity has the option to
first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair
value of a reporting unit is less than its carrying amount. If, after assessing the totality of events or circumstances, an entity determines it is not more likely than
not that the fair value of a reporting unit is less than its carrying amount, then performing the two-step impairment test is unnecessary.

We have adopted the provisions of ASU 2011-08 for our annual impairment test as of January 1, 2012. This analysis determines that no indicators of impairment
existed primarily because (i) our market capitalization has consistently exceeded its book value by a sufficient margin, (ii) our overall financial performance has
been stable since its respective acquisitions, and (iii) forecasts of operating income and cash flows generated by each of our reporting units appear sufficient to
support the book values of the net assets of each reporting unit.

We  performed  annual  impairment  tests  during  the  fourth  quarter  in  each  of  the  years  ended  December  31,  2011,  2012  and  2013  and  did  not  identify  any
impairment  losses,  as  the  fair  values  of  all  of  our  reporting  units  significantly  exceeded  their  carrying  values.  Therefore,  we  currently  do  not  believe  that  our
reporting units are at risk of impairment.

49

Impairment of long-lived assets and intangible assets subject to amortization

We review our  long-lived assets  for  impairment  in  accordance  with ASC  360,  “Property,  Plant  and  Equipment,” or  ASC 360,  whenever events or  changes  in
circumstances indicate that the carrying value of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the
carrying  amount  of  an  asset  to  the  future  undiscounted  cash  flows  expected  to  be  generated  by  the  assets.  If  such  assets  are  considered  to  be  impaired,  the
impairment to be recognized is measured by the amount by which the carrying value of the assets exceeds the fair value of the assets. During the years ended
December 31, 2011, 2012 and 2013, no impairment indicators have been identified.

Intangible assets with finite lives are comprised of distribution rights, acquired technology, customer relationships, backlog and non-compete agreements and are 
amortized  over  their  economic  useful  life  using  a  method  of  amortization  that  reflects  the  pattern  in  which  the  economic  benefits  of  the  intangible  assets  are
consumed  or  otherwise  used  up.  Distribution  rights,  acquired  technology  and  non- compete  agreements  were  amortized  on  a  straight  line  basis  and  customer
relationships and backlog were amortized on an accelerated method basis over a period between 3.5 and 15 years based on the customer relationships identified.

Marketable Securities

We account for investments in marketable securities in accordance with ASC 320 “Investments – Debt and Equity Securities,” or ASC 320. Our management 
determines the appropriate classification of its investments in marketable debt and equity securities at the time of purchase and reevaluates such determinations at
each balance sheet date. Our marketable securities consist mainly of debt securities which are designated as available-for-sale and are stated at fair value, with
unrealized gains and losses reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Realized gains and losses 
on sales of investments, as determined on a specific identification basis, are included in financial income, net, together with accretion (amortization) of discount
(premium), and interest or dividends.

We recognize an impairment charge when a decline in the fair value of an investment that falls below its cost basis is determined to be other-than-temporary.

Declines in fair value of available-for-sale equity securities that are considered other-than-temporary, based on criteria described in SAB Topic 5M, “Other Than 
Temporary Impairment of Certain Investments in Equity Securities,” are charged to earnings (based on the entire difference between fair value and amortized
cost). Factors considered in making such a determination include the duration and severity of the impairment, the financial condition and near-term prospects of 
the issuer, and the intent and ability of the company to retain its investment for a period of time sufficient to allow for any anticipated recovery in market value.

For declines in value of debt securities we apply an amendment to ASC 320. Under the amended impairment model, an other-than-temporary impairment loss is 
deemed to exist and recognized in earnings if management intends to sell or if it is more likely than not that it will be required to sell, a debt security, before
recovery  of  its  amortized  cost  basis.  If  the  criteria  mentioned  above,  does  not  exist,  we  evaluate  the  collectability  of  the  security  in  order  to  determine  if  the
security is other than temporary impaired.

For debt securities that are deemed other-than-temporary impaired, the amount of impairment recognized in the statement of operations is limited to the amount
related  to  “credit  losses” (the  difference  between  the  amortized  cost  of  the  security  and  the  present  value  of  the  cash  flows  expected  to  be  collected),  while
impairment related to other factors is recognized in other comprehensive income.

We did not record any impairment of marketable securities during the years ended December 31, 2011, 2012 and 2013.

50

Stock-based compensation

We account for stock-based compensation in accordance with ASC 718 “Compensation – Stock Compensation,” or ASC 718. ASC 718 requires registrants to
estimate the fair value of equity-based payment awards on the date of grant using an option-pricing model. The value of the portion of the award that is ultimately
expected to vest is recognized as an expense over the requisite service periods in our consolidated statement of income. We recognize compensation expenses for
the value of our awards, which have graded vesting based on the accelerated method over the requisite service period of each of the awards, net of estimated
forfeitures. To measure and recognize compensation expense for share-based awards we use the Binomial option-pricing model. The Binomial model for option
pricing requires a number of assumptions, of which the most significant are the suboptimal exercise factor and expected stock price volatility. The suboptimal
exercise factor is estimated based on employees' historical option exercise behavior.

The suboptimal exercise factor is the ratio by which the stock price must increase over the exercise price before employees are expected to exercise their stock
options.  Expected  volatility  is  based  upon  actual  historical  stock  price  movements  and  was  calculated  as  of  the  grant  dates  for  different  periods,  since  the
Binomial  model  can  be  used  for  different  expected  volatilities  for  different  periods.  The  risk-free  interest  rate  is  based  on  the  yield  from  U.S.  Treasury  zero-
coupon bonds with an equivalent term to the contractual term of the options. Prior to September 2012, we did not have any foreseeable plans to pay dividends and
therefore used an expected dividend yield of zero in our past years option pricing models. In September 2012, our management adopted a dividend distribution
policy according to which we will distribute in each year a dividend of up to 50% of our annual distributable profits. Therefore, we will use an expected dividend
yield for our future grants. The expected term of options granted is derived from the output of the option valuation model and represents the period of time that
options  granted  are  expected  to  be  outstanding.  Estimated  forfeitures  are  based  on  actual  historical  pre-vesting  forfeitures.  For  awards  with  performance 
conditions, compensation cost is recognized over the requisite service period if it is 'probable' that the performance conditions will be satisfied, as defined in ASC
450-20-20, “Loss Contingencies.”

Contingencies

From  time  to  time,  we  are  subject  to  legal,  administrative  and  regulatory  proceedings,  claims,  demands  and  investigations  in  the  ordinary  course  of  business,
including claims with respect to intellectual property, contracts, employment and other matters. We accrue a liability when it is both probable that a liability has
been  incurred  and  the  amount  of  the  loss  can  be  reasonably  estimated.  Significant  judgment  is  required  in  both  the  determination  of  probability  and  the
determination as to whether a loss is reasonably estimable. These accruals are reviewed and adjusted to reflect the impact of negotiations, settlements, rulings,
advice of legal counsel and other information and events pertaining to a particular matter.

Fair Value Measurements

We account for certain assets and liabilities at fair value under ASC 820. Fair value is an exit price, representing the amount that would be received to sell an
asset  or  paid  to  transfer  a  liability  in  an  orderly  transaction  between  market  participants.  As  such,  fair  value  is  a  market-based  measurement  that  should  be
determined  based  on  assumptions  that  market participants  would  use  in  pricing  an  asset  or  a  liability.  As  a  basis  for  considering  such  assumptions,  ASC  820
establishes a three-tier value hierarchy, which prioritizes the inputs used in the valuation methodologies in measuring fair value:

Level 1 - Observable inputs that reflect quoted prices (unadjusted) for identical assets or liabilities in active markets;

Level 2 - Significant other observable inputs based on market data obtained from sources independent of the reporting entity;

Level 3 - Unobservable inputs which are supported by little or no market activity (for example cash flow modeling inputs based on assumptions).

51

Assets  and  liabilities  measured  at  fair  value  on  a  recurring  basis  are  comprised  of  marketable  securities,  foreign  currency  forward  contracts  and  contingent
consideration of acquisitions (See Note 5 to the consolidated financial statements).

The carrying amounts reported in the balance sheet for cash and cash equivalents, short term bank deposits, trade receivables, other accounts receivable, short-
term bank credit, trade payables and other accounts payable approximate their fair values due to the short-term maturities of such instruments.

Accounting for income tax

We account for income taxes in accordance with ASC 740, “Income Taxes,” or ASC740. ASC 740 prescribes the use of the “asset and liability” method whereby 
deferred tax asset and liability account balances are determined based on differences between financial reporting and tax bases of assets and liabilities and are
measured using the enacted tax rates and laws that will be in effect when the differences are expected to reverse. We provide a valuation allowance, if necessary,
to reduce deferred tax assets to their estimated realizable value. Deferred tax assets and liabilities are classified as current or non-current according to the expected 
reversal dates.

Taxes that would apply in the event of disposal of investments in subsidiaries have not been taken into account in computing deferred taxes, as it is our intention
to hold these investments, rather than realize them. We do not expect our non-Israeli subsidiaries to distribute taxable dividends in the foreseeable future, as their
earnings are needed to fund their growth while we expect to have sufficient resources in the Israeli companies to fund our cash needs in Israel.

We utilize a two-step approach in recognizing and measuring uncertain tax positions accounted for in accordance with ASC 740. Under the first step we evaluate
a tax position taken or expected to be taken in a tax return by determining if the weight of available evidence indicates that it is more likely than not that, based on
technical merits, the tax position will be sustained on audit, including resolution of any related appeals or litigation processes. The second step is to measure the
tax  benefit  as  the  largest  amount  that  is  more  than  50%  likely  to  be  realized  upon  ultimate  settlement  with  the  tax  authorities.  We  have  accrued  interest  and
penalties related to unrecognized tax benefits in our provisions for income taxes. The total amount of gross unrecognized tax benefits (tax on income) for the
years ended December 31, 2011, 2012 and 2013 were $727,000, $(240,000) and $(2,811,000), respectively.

Recently Issued Accounting Standards

C.

RESEARCH AND DEVELOPMENT

Our research and development and support personnel work closely with our customers and prospective customers to determine their requirements and to design
enhancements and new releases to meet their needs. We periodically release enhancements and upgrades to our core products. In the years ended December 31,
2011, 2012 and 2013, we invested $7.3 million, $7.9 million and $8.4 million in research and development, respectively. Research and development activities
take place in our facilities in Israel, India, Russia and Japan.

As of December 31, 2013, we employed 152 employees in research and development activities, of which 53 persons were located in Israel, 65 persons in India,
30  persons  in  Russia  and  4  persons  in  Japan.  Our  product  development  team  includes  technical  writers  who  prepare  user  documentation  for  our  products.  In
addition, we have also entered into arrangements with subcontractors for the preparation of product user documentation and certain product development work.

For additional information regarding product development see Item 4. “Information on the Company - Business Overview - Product Development.”

52

D.

TREND INFORMATION

For  information  see  discussion  in  Item  4.  “Information  on  the  Company-Business  Overview-Industry  Background  and  Trends” and  Item  5.  “Operating  and 
Financial Review and Prospects - Results of Operations.”

E.

OFF-BALANCE SHEET ARRANGEMENTS

We are not a party to any off-balance sheet arrangements. In addition, we have no unconsolidated special purpose financing or partnership entities that are likely
to create material contingent obligations.

F.

TABULAR DISCLOSURE OF CONTRACTUAL OBLIGATIONS

The following table summarizes our minimum contractual obligations as of December 31, 2013 and the effect we expect them to have on our liquidity and cash
flow in future periods.

Contractual Obligations

Operating lease obligations
Liabilities due to acquisition activities
Severance payments, net*
Uncertainties in income taxes (ASC 740) **
Long term loan
Total contractual obligations

Payments due by period

Total
4,080,000
5,562,000
1,275,000
498,000
3,329,000
14,744,000

$

$

less than
1 year
1,741,000
4,166,000
-
-
1,055,000
6,962,000

$

$

$

$

1-3 years

3-5 years

2,239,000
1,396,000
-
-
2,274,000
5,909,000

$

$

100,000
-
-
-
-
100,000

*Severance payments relate to accrued severance obligations and notice obligations mainly to our Israeli. employees as required under Israeli labor law
or personal employment agreements. We are legally required to pay severance upon certain circumstances, primarily upon termination of employment by
our company, retirement or death of the respective employee. Our liability for all of our Israeli employees is fully provided for by monthly deposits with
insurance policies and by an accrual.

** Payment of uncertain tax benefits would result from settlements with taxing authorities. Due to the difficulty in determining the timing of settlements,
this information is not included in the above table. We do not expect to make any significant payments for these uncertain tax positions within the next
12 months.

53

ITEM 6.

DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES

A.

DIRECTORS AND SENIOR MANAGEMENT

Set forth below are the name, age, principal position and a biographical description of each of our directors and executive officers:

Name
Guy Bernstein
Itiel Efrat(1)
Elan Penn(1)(2)
Naamit Salomon
Yehezkel Zeira(1)
Asaf Berenstin
Udi Ertel
Eyal Pfeifel
Amit Birk
Arik Kilman
Yacov Tsruya
Moshe Gez
Arik Faingold
Yuval Baruch

Age
46
50
63
49
70
36
54
45
43
61
44
53
37
47

Position
Chief Executive Officer and Director
External director
External director
Director
Director
Chief Financial Officer
President, Software Solutions division  
Chief Technology Officer
Vice President, Mergers and Acquisitions, General Counsel and Corporate Secretary
President, AppBuilder Software Solutions division
Chief Executive Officer of Coretech Consulting Services and Fusion Solutions
Chief Executive Officer of Complete Business Solutions
President, Integration Solutions division
Chief Executive Officer of Hermes Logistics

(1) Member of our Audit and Compensation Committees
(2) Member of our Investment Committee

Messrs. Guy Bernstein and Yehezkel Zeira and Ms. Naamit Salomon were re-elected at our 2013 annual general meeting of shareholders to serve as directors
until our 2014 annual general meeting of shareholders. Mr. Itiel Efrat was re-elected at our 2012 annual general meeting to serve as an external director for a third
three-year term until November 25, 2015. Mr. Elan Penn is serving as an external director pursuant to the provisions of the Israeli Companies Law for a third
three-year term ending October 10, 2014.

Mr. Guy Bernstein and Mr. Asaf Berenstin are first cousins. Mr. Arik Faingold is the brother of Mr. Idan Faingold who is an executive officer of the Comm-IT 
Group and the two brothers are the owners of the 20% minority interest in that company. Other than such relationships, there are no family relationships among
our directors and senior executives.

Guy Bernstein has served as our chief executive officer since April 2010 and has served as a director of our company since January 2007. Mr. Bernstein served as
the chairman of our board of directors from April 2008 to April 2010. Mr. Bernstein has also served as the chief executive officer of Formula Systems, our parent
company, since January 2008. From December 2006 to November 2010, Mr. Bernstein served as a director and the chief executive officer of Emblaze Ltd., or
Emblaze, our former controlling shareholder. Mr. Bernstein also serves as the chairman of the board of directors of Sapiens International Corporation N.V., or
Sapiens, and is the chairman of the board of directors of Matrix IT Ltd., both of which are subsidiaries of Formula Systems. From April 2004 to December 2006,
Mr. Bernstein served as the chief financial officer of Emblaze and he has served as a director of Emblaze since April 2004. Prior to that and from 1999, Mr.
Bernstein served as our chief financial and operations officer. Prior to joining our company, Mr. Bernstein was employed by Kost Forer Gabbay & Kasierer, a
member of Ernst & Young Global, where he acted as senior manager from 1994 to 1997. Mr. Bernstein holds a B.A. degree in Accounting and Economics from
Tel Aviv University and is a certified public accountant (CPA) in Israel.

Itiel Efrat has served as an external director of our company since December 2006 and is a member of our audit committee. Mr. Efrat is the founder and has
served as co-managing director of ERB Ltd., a leading financial consulting firm, since 1995. Mr. Efrat was also the founder and is a member of the board of
directors of ESOP-Excellence Trust Company since 2004. Mr. Efrat is a certified public accountant (CPA) in Israel and holds a B.A. degree in Accounting and
Economics from Tel Aviv College of Management.

54

Elan Penn has served as an external director of our company (within the meaning of the Israeli Companies Law) since December 2005 and is a member of our
audit committee. Mr. Penn was elected as an external director for a third three-year term expiring on October 10, 2014. Mr. Penn has served as chief executive
officer and chairman of Penn Publishing Ltd., a private company based in Tel Aviv, Israel since 2001. From 2000 to 2001, Mr. Penn served as vice president of
finance and administration of A.I. Research and Development Ltd. Mr. Penn served as chief executive officer of Sivan Computer Training Company Ltd. during
the years 1998 through 2000. From 1992 to 2000, Mr. Penn served as vice president of finance and administration of Mashov Computers Ltd. From 1987 to 1991
and  again  from  1992  to  1997,  Mr.  Penn  served  as  our  company’s  vice  president  of  finance  and  administration.  Mr.  Penn  also  serves  as  a  director  of  Telcoor
Telekom Ltd. Mr. Penn holds a B.A. degree in Economics from the Hebrew University of Jerusalem and a Ph.D. in Management Science from the University of
London.

Naamit Salomon has served as director of our company since March 2003. Since January 2010, Ms. Salomon has served as a partner in an investment company.
Ms. Salomon also serves as a director of Sapiens, which is part of the Formula group. Ms. Salomon served as the chief financial officer of Formula Systems from
August 1997 until December 2009. From 1990 through August 1997, Ms. Salomon served as the controller of two large privately held companies in the Formula
group. Ms. Salomon holds a B.A. degree in economics and business administration from Ben Gurion University and an LL.M. degree from Bar-Ilan University.

Yehezkel Zeira has served as a director of our company since December 2005 and is a member of our audit committee. Mr. Zeira has served as an independent IT
consultant since 2001. From 2000  to 2001, Mr. Zeira  served as executive vice president international of Ness Technologies Inc., and from 1970 to 2000, Mr.
Zeira served in various positions at Advanced Technology Ltd., including as chief executive officer which position he assumed in 1982. Mr. Zeira was also a
lecturer at Ben Gurion University Faculty of Engineering. Mr. Zeira holds a B. Sc. degree in Industrial Engineering and an M. Sc. degree in Operations Research,
both from the Technion - Israel Institute of Technology and has participated in the Harvard Business School program for management development.

Asaf  Berenstin has  served  as  our  chief  financial  officer  since  April  2010.  In  November  2011,  Asaf  was  appointed  as  Chief  Financial  Officer  of  our  parent
company Formula Systems (1985) Ltd. in addition to his position as chief financial officer of our company. Prior to that and from August 2008, Mr. Berenstin
served  as  our  corporate  controller.  Prior  to  joining  our  company  and  from  July  2007,  Mr.  Berenstin served  as  a  controller  at  Gilat  Satellite  Networks  Ltd. 
(NASDAQ:  GILT).  From  October  2003  to  July  2008,  Mr.  Berenstin  was  a  certified  public  accountant  at  Kesselman  &  Kesselman,  a  member  of
PriceWaterhouseCooper.  Mr.  Berenstin  holds  a  B.A.  degree  in  Accounting  and  Economics  and  an  M.B.A.  degree,  both  from  Tel  Aviv  University,  and  is  a
certified public accountant (CPA) in Israel.

Udi Ertel has served as president of Software Solutions division since 2013. Prior to that and from January 2011, Mr Ertel served as vice president, sales and
distribution, responsible for our sales and business activities in South Africa, Hungary and was responsible for distribution in the Asia Pacific region, East Europe
and  the  Mediterranean  basin.  Mr.  Ertel  joined  our  company  in  2004,  initially  serving  as  the  chief  executive  officer  of  our  Israeli  subsidiary,  Magic  Software
Enterprises (Israel) Ltd., and from January 2009 as our vice president, global services and operations. Before joining our company, Mr. Ertel served for nine years
as the chief executive officer of Complot (83) Ltd. Mr. Ertel holds a B.Sc degree in Computer Science and Mathematics and completed his studies towards an
M.B.A. degree (without thesis), both from Tel Aviv University in Israel.

Eyal Pfeifel has served as our chief technology officer since October 2009. From February 2007 to July 2009, Mr. Pfeifel served as the chief technology officer
of Ai Research and Technology. Mr. Pfeifel previously served as marketing general manager of our Japanese branch from 1998 to 2000 and as product manager
at  our  headquarters  from  1993  to  1998.  Mr.  Pfeifel  has  also  served  in  a  range  of  other  senior  positions,  including  vice  president  for  product  management  at
Artificial Intelligence, director of product marketing for Babylon Ltd. and director of business development for M-Systems.

55

Amit Birk has served as our vice president, mergers and acquisitions, general counsel and corporate secretary since May 1999. From 1997 to 1998, Mr. Birk was
an associate at Avital Dromi & Co., a leading law firm in Tel Aviv, Israel. Since November 2007, Mr. Birk serves as an external director of BGI Investment
(1961)  Ltd.,  an  Israeli  public  company.  Mr.  Birk  holds  an  L.L.B.  degree  from  the  University  of  Sheffield,  an  M.B.A.  degree  from  Bar  Ilan  University  and  a
Practical Engineer degree from ORT College. Mr. Birk is also a certified mediator.

Arik Kilman has served as president of AppBuilder Software Solutions division since January 2012, following our acquisition of AppBuilder Solutions Ltd. at
which time he was named Chief Executive Officer of AppBuilder. Prior to joining our company, Mr. Kilman served as Chief Executive Officer of Bluephoenix
Solutions Ltd., the former parent of AppBuilder from May 2003 to January 2009 and from April 2010 to December 2011. Mr. Kilman holds a B.A. degree in
Economics and Computer Science from New York City College of Technology.

Yacov  Tsruya  has  served  as  chief  executive  officer  of  our  subsidiary, CoreTech  Consulting  Group  LLC,  since  2006.  Mr.  Tsaroya  has  also  served  as  Chief
Executive  Officer  of  Fusion  Solution  LLC  and  Xsell  Resources  Inc.  since  our  acquisition  of  these  companies  in  2010.  Mr.  Tsaroya  holds  a  B.A.  degree  in
Accounting and Finance from the College of Administration in Israel and is a certified public accountant (CPA) in Israel.

Moshe Gez has served as founder and CEO of Complete Business Solutions since July 2001. Mr. Gez is responsible for our ERP division.  Mr. Gez founded
Complete in July, 2001 and since October 2013 he has as Chairman of the Board of Complete.  Before founding Complete, Mr. Gez served as V.P. professional
services for our company. Mr. Gez was also the founder and manager of I.T.M, an Israeli software development and marketing company, during the period of
March 1998 through March 2000. Between June 1987 and March 1998, Mr. Gez served in several positions in Afek Engineering consultancy, including as its
CEO. Mr. Gez holds a B.A. degree in Industrial Engineering from Beer-Sheva University in Israel.

Arik Faingold has served as president of Integration Solutions division since July 2012. Mr. Faingold has served as chairman of Comm-IT Group since 2009. Mr. 
Faingold was General Manager of Open TV Israel, part of OpenTV Global, from 2003 to 2009. Mr. Faingold served as Co-founder and CTO of Betting Corp
from  1999  to  2003.  Mr.  Faingold  holds  a  B.A.  degree  in  Computer  Science  from  the  Interdisciplinary  Center  in  Herzliya  and  an  M.B.A.  from  Tel  Aviv
University.

Yuval  Baruch  has  served  as  an  officer  of  our  company  since  his  appointment  in  September  2012  as  the  chief  executive  officer  of  our  subsidiary,  Hermes
Logistics Technologies (HLT). Mr. Baruch has also served as the chief executive officer of Pilat HR solutions since April 2013. Mr. Baruch was chief executive
officer  of J.R.  Holdings & Development  from  November 2007  to  January  2012.  Mr. Baruch  has  served  as an external director of Marix IT, a  publicly  traded
company in Israel, since 2011. Between 2004 and 2008 Mr. Baruch launched, managed and divested a chain of fitness centers in Israel. Mr. Baruch holds a B.A.
degree in Marketing and Finance from The College of Management in Israel and an M.B.A. degree from the Stanford Graduate School of Business.

B.

COMPENSATION

The following table sets forth all compensation we paid with respect to all of our directors and executive officers as a group for the year ended December

31, 2013.

All directors and executive officers as a group (15 persons)

$

3,434,000 $

Salaries, fees,
commissions and
bonuses

Pension, retirement
and similar benefits
90,000

During the year ended December 31, 2013, we paid to each of our outside and independent directors an annual fee of approximately $17,000 and a per-meeting 
attendance fee of approximately $571. Such fees are paid based on the fees detailed in a schedule published semi-annually by the Committee for Public Directors 
under the Israeli Securities Law. The above compensation excludes stock- based compensation costs in accordance with ASC 718.

56

As  of  December  31,  2013,  our  directors  and  executive  officers  as  a  group,  then  consisting  of  15  persons,  held  options  to  purchase  an  aggregate  of  334,693
ordinary shares, at exercise prices ranging from $1.01 to $6.00 per share. Of such options, options to purchase 1,530 ordinary shares expire in 2014, options to
purchase 20,000 ordinary shares expire in 2018, options to purchase 6,363 ordinary shares expire in 2019, options to purchase 137,800 ordinary shares expire in
2020, options to purchase 119,000 ordinary shares expire in 2021 and options to purchase 50,000 ordinary shares expire in 2023. All such options were granted
under  our  2000  Stock  Option  Plan  and  2007  Incentive  Compensation  Plan.  See  Item  6E.“Directors,  Senior  Management  and  Employees  - Share  Ownership  -
Stock-Based Compensation Plans.”

C.

BOARD PRACTICES

Introduction 

According  to  the  Israeli  Companies  Law  and  our  Articles  of  Association,  the  management  of  our  business  is  vested  in  our  board  of  directors.  The  board  of
directors may exercise all powers and may take all actions that are not specifically granted to our shareholders. Our executive officers are responsible for our day-
to-day management. The executive officers have individual responsibilities established by our board of directors. Executive officers are appointed by and serve at
the discretion of the board of directors, subject to any applicable agreements.

Election of Directors

Our articles of association provide for a board of directors consisting of no less than three and no more than eleven members or such other number as may be
determined from time to time at a general meeting of shareholders. Our board of directors is currently composed of five directors.

Pursuant to our articles of association, all of our directors are elected at our annual general meeting of shareholders, which are required to be held at least once
during every calendar year and not more than 15 months after the last preceding meeting. Except for our external directors (as described below), our directors are
elected  by  a  vote  of  the  holders  of  a  majority  of  the  voting  power  represented  and  voting  at  such  meeting  and  hold  office  until  the  next  annual  meeting  of
shareholders  following  the  annual  meeting  at  which  they  were  appointed.  Directors  (other  than  external  directors)  may  be  removed  earlier  from  office  by
resolution passed at a general meeting of our shareholders. Our board of directors may temporarily fill vacancies in the board until the next annual meeting of
shareholders, provided that the total number of directors will not exceed the maximum number permitted under our articles of association.

Under the Israeli Companies Law, our board of directors is required to determine the minimum number of directors who must have “accounting and financial 
expertise” (as  such  term  is  defined  in  regulations  promulgated  under  the  Israeli  Companies  Law).  In  determining  such  number,  the  board  of  directors  must
consider, among other things, the type and size of the company and the scope of and complexity of its operations. Our board of directors has determined that at
least one director must have “accounting and financial expertise,” within the meaning of the regulations promulgated under the Israeli Companies Law.

We are exempt from the requirements of the NASDAQ Stock Market Rules with regard to the nomination process of directors, since we are a controlled company
within the meaning of NASDAQ Stock Market Rule 5615(c)(1). See Item 16G “Corporate Governance.”

57

External and Independent Directors

External  Directors.  The  Israeli  Companies  Law  requires  companies  organized  under  the  laws  of  the  State  of  Israel  with  shares  that  have  been  offered  to  the
public  in  or  outside  of  Israel  to  appoint  at  least  two  external  directors.  No  person  may  be  appointed  as  an  external  director  if  the  person  is  a  relative  of  the
controlling shareholder of the company or if the person or the person’s relative, partner, employer or any entity under the person’s control has or had, on or within 
the two years preceding the date of the person’s appointment to serve as an external director, any affiliation with the company or the controlling shareholder of
the company or the controlling shareholder's relative or any entity controlled by the company or by the controlling shareholder of the company. If the company
does not have a controlling shareholder or a person or entity which holds 25% of the total voting rights of the company, an external director may also not have an
affiliation with chairman of the board, the chief executive officer, beneficial owner of 5% or more of the issued shares or the voting power of the company and
the  most  senior  executive  officer  of  the  company  in  the  finance  field.  The  term  “affiliation” includes  an  employment  relationship,  a  business  or  professional 
relationship maintained on a regular basis (other than negligible relationships), control and service as an “office holder” as defined in the Israeli Companies Law,
however, “affiliation” does not include service as a director of a private company prior to its first public offering if the director was appointed to such office for
the  purpose  of  serving  as  an  external  director  following  the  company’s  first  public  offering.  In  addition,  no  person  may  serve  as  an  external  director  if  the
person’s position or other activities create or may create a conflict of interest with the person’s responsibilities as an external director or may otherwise interfere 
with the person’s ability to serve as an external director. In addition, a director in a company may not be appointed as an external director in another company if at
that time, a director of the other company serves as an external director in the first company. Moreover, a person may not be appointed as an external director, if
he or she is employed by the Israeli Securities Authority or by Tel-Aviv Stock Exchange. If, at the time external directors are to be appointed, all current members
of the board of directors which are not the controlling shareholders of the company or their relatives are of the same gender, then at least one external director
must be of the other gender.

At least one of the external directors must have “accounting and financial expertise” and the other external directors must have “professional expertise,” as such 
terms are defined by regulations promulgated under the Israeli Companies Law.

The election of the nominee for external director requires the affirmative vote of ( i) the majority of the votes actually cast with respect to such proposal including
at least a majority of the voting power of the non-controlling shareholders (as such term is defined in the Israel Securities Law, 1968) or those shareholders who
do  not  have  a  personal  interest  in  approval  of  the  nomination  except  for  a  personal  interest  that  is  not  as  a  result  of  the  shareholder’s  connections  with  the 
controlling shareholder, who are present in person or by proxy and vote on such proposal, or (ii) the majority of the votes cast on such proposal at the meeting,
provided that the total votes cast in opposition to such proposal by the non-controlling shareholders or those shareholders who do not have a personal interest in
approval of the nomination except for a personal interest that is not as a result of the shareholder’s connections with the controlling shareholder (as such term is 
defined in the Israel Securities Law, 1968) does not exceed 2% of all the voting power in the Company.

External directors serve for a three-year term. However, in accordance with the Israeli Companies Law regulations, external directors of a public company whose
shares are traded on the NASDAQ may be appointed for additional periods of three-year each provided that the audit committee and the board of directors have
approved that, given the external director's expertise and contribution to the board and committee meetings, such appointment is for the company's benefit and
provided further that the nomination to additional periods of three-year terms is approved through one of the following mechanisms: (i) the board of directors
proposed the nominee and his appointment was approved by the shareholders in the manner required to appoint external directors for their initial term (described
above); or (ii) one or more shareholders holding 1% or more of the voting rights proposed the nominee, and the nominee is approved by the majority of the votes
actually  cast  with  respect  to  such  proposal  and  all  of  the  following  conditions  are  met:  (a)  the  majority  of  votes  does  not  include  the  votes  of  the  controlling
shareholder  or  votes  of  shareholders  who  have  a  personal  interest  in  approval  of  the  nomination  except  for  a  personal  interest  that  is  not  as  a  result  of  the
shareholder’s  connections  with  the  controlling  shareholder  and  (b)  the  total  votes  cast  in  favor  of  such  proposal  by  the  non-controlling  shareholders  or  those 
shareholders  who  do  not  have  a  personal  interest  in  the  approval  of  the  nomination  except  for  a  personal  interest  that  is  not  as  a  result  of  the  shareholder’s 
connections with the controlling shareholder exceed 2% of all the voting power in the company

External directors may be removed from office only by the same percentage of shareholders as is required for their election, or by a court, and then only if the
external directors cease to meet the statutory qualifications for their appointment, violate their duty of loyalty to the company or are found by a court to be unable
to perform his or hers duties on a full time basis. External directors may also be removed by the court if they are found guilty of bribery, fraud, administrative
offenses or use of inside information.

58

Each  committee  of  the  board  of  directors  that  may  exercise  a  responsibility  of  the  board  of  directors  must  include  at  least  one  external  director.  The  audit
committee  must  be  comprised  of  at  least  three  directors  and  include  all  the  external  directors.  An  external  director  is  entitled  to  compensation  as  provided  in
regulations adopted under the Israeli Companies Law and is otherwise prohibited from receiving any other compensation, directly or indirectly, in connection
with such service.

Until the lapse of two year from termination of office, we may not engage an external director, or his or her spouse or child to service as an office holder and
cannot employ or receive services from that person, either directly or indirectly, including through a corporation controlled by that person.

Independent Directors. NASDAQ Stock Market Rules require us to establish an audit committee comprised of at least three members and only of independent
directors each of whom satisfies the respective “independence” requirements of the SEC and NASDAQ.

Pursuant to the Israeli Companies Law, a director may be qualified as an independent director if such director is either (i) an external director; or (ii) a director
that  serves  as  a  board  member  less  than  nine  years  and  the  audit  committee  has  approved  that  he  or  she  meets  the  independence  requirements  of  an  external
director. A majority of the members serving on the audit committee must be independent under the Israeli Companies Law. In addition, an Israeli company whose
shares  are  publicly  traded  may  elect  to  adopt  a  provision  in  its  articles  of  association  pursuant  to  which  a  majority  of  its  board  of  directors  will  constitute
individuals  complying  with  certain  independence  criteria  prescribed  by  the  Israeli  Companies  Law.  We  have  not  included  such  a  provision  in  our  articles  of
association. Pursuant to Israeli regulations adopted in January 2011, directors who comply with the independence requirements of NASDAQ and the SEC are
deemed to comply with the independence requirements of the Israeli Companies Law. .

Our board of directors has determined that Mr. Itiel Efrat and Mr. Elan Penn both qualify as independent directors under the SEC and NASDAQ requirements and
as  external  directors  under  the  Israeli  Companies  Law  requirements.  Our  board  of  directors  has  further  determined  that  Mr.  Yehezkel  Zeira  qualifies  as  an
independent director under the SEC, NASDAQ and Israeli Companies Law requirements.

As a controlled company, within the meaning of NASDAQ Stock Market Rule 5615(c)(1), we are exempt from the NASDAQ Stock Market Rules requirement
that  a  majority  of  a  company’s  board  of  directors  qualify  as  independent  directors,  within  the  meaning  of  the  NASDAQ  Stock  Market  Rules.  See  Item  16G.
“Corporate Governance.”

Committees of the Board of Directors 

Audit Committee. Our audit committee, established in accordance with Sections 114-117 of the Israeli Companies Law and Section 3(a)(58)(A) of the Securities
Exchange Act of 1934, assists our board of directors in overseeing the accounting and financial reporting processes of our company and audits of our financial
statements,  including  the  integrity  of  our  financial  statements,  compliance  with  legal  and  regulatory  requirements,  our  independent  public  accountants’
qualifications  and  independence,  the  performance  of  our  internal  audit  function  and  independent  public  accountants,  finding  any  irregularities  in  the  business
management of our company for which purpose the audit committee may consult with our independent auditors and internal auditor, proposing to the board of
directors ways to correct such irregularities and such other duties as may be directed by our board of directors. The responsibilities of the audit committee also
include approving related-party transactions as required by law. The audit committee is also required to determine whether any action is material and whether any
transaction  is  an  extraordinary  transaction  or  non-negligible  transaction,  for  the  purpose  of  approving  such  action  or  transaction  as  required  by  the  Israeli
Companies Law. Under Israeli law, an audit committee may not approve an action or a transaction with a controlling shareholder, or with an office holder, unless
at the time of approval two external directors are serving as members of the audit committee and at least one of the external directors was present at the meeting
in which an approval was granted.

59

Our audit committee is currently composed of Mr. Efrat, Mr. Penn and Mr. Zeira, each of whom satisfies the respective “independence” requirements of the SEC 
and  NASDAQ.  We  also  comply  with  Israeli  law  requirements  for  audit  committee  members.  Mr.  Elan  Penn  has  been  elected  as  the  chairperson  of  the  audit
committee. Our board of directors has determined that Mr. Penn qualifies as a financial expert. The audit committee meets at least once each quarter.

Investment  Committee.  Our  board  of  directors  has  established  an  investment  committee,  which  administers  our  investments.  Our  investment  committee  is
currently composed of Mr. Penn.

Compensation Committee. In accordance with the Israeli Companies Law, we have a compensation committee, whose role is to: (i) recommend a compensation
policy for office holders and to recommend to the board, once every three years, on the approval of the continued validity of the compensation policy that was
determined  for  a  period  exceeding  three  years;  (ii)  recommend  an  update  the  compensation  policy  from  time  to  time  and  to  examine  its  implementation;  (iii)
determine whether to approve the terms of service and employment of office holders that require the committee’s approval; and (iv) exempt a transaction from the 
requirement of shareholders’ approval in accordance with the provisions of the Israeli companies Law. The compensation committee also has oversight authority
over the actual terms of employment of directors and officers and may make recommendations to the board of directors and the shareholders (where applicable)
with respect to deviation from the compensation policy that was adopted by the company.

The company is in the process of adopting a compensation policy.

Under  the  Israeli  Companies  Law,  a  compensation  committee  must  consist  of  no  less  than  three  members,  including  all  of  the  external  directors  (who  must
constitute  a  majority  of  the  members  of  the  committee),  and  the  remainder  of the  members  of  the  compensation  committee  must  be directors whose  terms  of
service and employment were determined pursuant to the applicable regulations. The same restrictions on the actions and membership in the audit committee as
discussed above under “Audit Committee”, including the requirement that an external director serve as the chairman of the committee and the list of persons who
may not serve on the committee, also apply to the compensation committee. We have established a compensation committee that is currently composed of our
external directors, Mr. Penn and Mr. Efrat, and of Mr. Zeira, an independent director.

Internal Auditor

The Israeli Companies Law also requires the board of directors of a public company to appoint an internal auditor proposed by the audit committee. A person who
does not satisfy the Israeli Companies Law's independence requirements may not be appointed as an internal auditor.

The role of the internal auditor is to examine, among other things, the compliance of the company’s conduct with applicable law and orderly business practice. 
Our internal auditor complies with the requirements of the Israeli Companies Law. Mr. Eyal Weizman currently serves as our internal auditor.

Directors’ Service Contracts 

There are no arrangements or understandings between us and any of our subsidiaries, on the one hand, and any of our directors, on the other hand, providing for
benefits upon termination of their employment or service as directors of our company or any of our subsidiaries.

60

Approval of Related Party Transactions Under Israeli Law 

Fiduciary Duties of Office Holders

The Israeli Companies Law codifies the fiduciary duties that “office holders,” including directors and executive officers, owe to a company. An “office holder” is 
defined  in  the  Israeli  Companies  Law  as  a  chief  executive  officer,  chief  business  manager,  deputy  general  manager,  vice  general  manager,  any  other  person
assuming the responsibilities of any of the foregoing positions without regard to such person’s title or a director or any other manager directly subordinate to the 
general manager. An office holder’s fiduciary duties consist of a duty of care and a duty of loyalty. The duty of care requires an office holder to act at a level of
care that a reasonable office holder in the same position would employ under the same circumstances. This includes the duty to utilize reasonable means to obtain
(i) information regarding the appropriateness of a given action brought for his approval or performed by him by virtue of his position and (ii) all other information
of importance pertaining to the foregoing actions. The duty of loyalty includes (i) avoiding any conflict of interest between the office holder’s position in the 
company and any other position he holds or his personal affairs, (ii) avoiding any competition with the company’s business, (iii) avoiding exploiting any business 
opportunity of the company in order to receive personal gain for the office holder or others, and (iv) disclosing to the company any information or documents
relating to the company’s affairs that the office holder has received due to his position as an office holder.

Disclosure of Personal Interests of an Office Holder 

The Israeli Companies Law requires that an office holder promptly, and no later than the first board meeting at which such transaction is considered, disclose any
personal interest that he or she may have and all related material information known to him or her and any documents in their position, in connection with any
existing  or  proposed transaction  by us.  In addition, if the transaction  is an extraordinary  transaction,  that is, a  transaction other  than  in  the  ordinary  course  of
business, other than on market terms, or likely to have a material impact on the company’s profitability, assets or liabilities, the office holder must also disclose
any  personal  interest  held  by  the  office  holder’s  spouse,  siblings,  parents,  grandparents,  descendants,  spouse’s  descendants  and  the  spouses  of  any  of  the
foregoing, or by any corporation in which the office holder or a relative is a 5% or greater shareholder, director or general manager or in which he or she has the
right to appoint at least one director or the general manager.

Approval of Transactions with Office Holders and Controlling Shareholders

Some transactions, actions and arrangements involving an office holder (or a third party in which an office holder has a personal interest) must be approved by the
board  of  directors  and,  in  some  cases,  by  the  audit  committee  or  the  compensation  committee  and  by  the  board  of  directors,  and  under  certain  circumstances
shareholder approval may also be required, provided, however, that such transactions are for the benefit of the company. Subject to certain exceptions. a person
who has a personal interest in the approval of a transaction by the audit committee or the Board, may not be present and take part in the voting. An officer or a
director who has a personal interest, may be present at the meeting for the purpose of presenting the transaction if the chairman of the audit committee or the
Board,  as  relevant,  has  determined  that  the  presence  of  the  officer  or  director  is  required.  A  director  may  be  present  and  vote  at  the  meetings  of  the  audit
committee and Board if the majority of the directors have a personal interest in the approval of the transaction. In such case, the transaction also requires approval
by the general meeting. The disclosure requirements which apply to an office holder also apply to such transaction with respect to his or her personal interest in
the transaction.

61

The  Companies Law  provides  for  certain  procedural  constraints  on  a  public  company entering  into  a  transaction  in  which  a  controlling  shareholder  and  other
interested parties have a personal interest. More specifically, Section 275 of the Companies Law provides that an extraordinary transaction (which is defined as a
transaction that is either not in a company’s ordinary course of business; or a transaction that is not undertaken in market conditions; or a transaction that is likely
to substantially influence the profitability of a company, its property or liabilities) between a public company and its controlling shareholder, or an extraordinary
transaction of a public company with a third party in which the controlling shareholder has a personal interest, including a transaction of a public company with a
controlling shareholder, directly or indirectly, for the receipt of services therefrom (and including a transaction concerning the compensation arrangement of a
controlling shareholder in its capacity as an employee or office holder of the company) (a "Controlling Party Transaction"), requires the approval of the audit
committee (and with respect to a transaction concerning the compensation arrangement – the compensation committee), the board of directors and the general
meeting of shareholders, provided however that the majority approving the transaction shall include at least one half of the votes of shareholders who do not have
a  personal  interest  in  the  transaction  and  are  participating  in  the  vote,  or  that  the  aggregate  number  of  votes  against  the  approval  of  the  transaction,  voted  by
shareholders who do not have such personal interest do not exceed 2% of the entire voting rights in the company. Section 275 of the Companies Law further
provides that if the term of the Controlling Party Transaction extends beyond three years, the above approvals are required once every three years. However, if
such transaction does not relate to a compensation arrangement, then the audit committee may approve the transaction for a longer duration, provided that the
audit  committee  determines  that  such  duration  is  reasonable  under  the  circumstances.  In  accordance  with  the  Israeli  Companies  law  the  audit  committee  is
responsible to determine that Controlling Party Transactions shall be subject to a competitive procedure or other similar procedure before such transactions are
approved.

On September 1, 2011, our company signed a non-exclusive distribution agreement with Asseco, our controlling shareholder, according to which Asseco will
have the non-exclusive right to sell our company’s products in Poland.  The terms of the agreement are consistent with the standard distribution agreements that
we  have  entered  into  from  time  to  time  with  third  party  distributors.  Our  Audit  Committee  and  Board  of  Directors  have  determined  that  the  agreement  with
Asseco was carried out on an arm’s - length basis. At our 2011 annual general meeting, our shareholders approved entry into an agreement with Asseco to act as
our products distributor in Poland. The distribution agreement with Asseco to sell our company’s products in Poland was terminated on December 31, 2012.

Approval Process of Terms of Service and Employment of Office Holders

Under the Israeli Companies Law, the method of approval of Terms of Service and Employment of office holders must be approved as follows:

(cid:120) With respect to an office holder who is not the general manager, a director, a controlling shareholder or a relative of the controlling shareholder:

o

o

In  the  event  the  transaction  is  in  accordance  with  the  compensation  policy  of  the  company  – approval  (in  the  following  order)  of:  (i)
compensation committee and (ii) board of directors.

In the event the transaction is not in accordance with the compensation policy of the company – approval, in special cases (in the following
order), by the (i) compensation committee, (ii) board of directors and (iii) company’s shareholders, by a simple majority, provided that such 
majority shall include (i) at least one half of the votes of shareholders who are participating in the vote and are not controlling shareholders or
do not have a personal interest regarding the approval of the compensation policy, or (ii) the aggregate number of the opposing votes, voted by
shareholders who do not have such personal interest or are not controlling shareholders, do not exceed two percent (2%) of the entire voting
rights in the company (the “Special Majority”). Under these circumstances, the compensation committee and board of directors are required to
approve the transaction based on certain considerations and include certain instructions in connection with the compensation policy. In the event
the company’s shareholders do not approve the compensation of the office holder, the compensation committee and board of directors may still
approve  the  transaction,  in  special  cases  and  with  detailed  reasons  and  after  discussion  and  examining  the  rejection  of  the  company’s 
shareholders.

(cid:120) With respect to a company’s general manager (generally the equivalent of a CEO):

o

In  the  event  the  transaction  is  in  accordance  with  the  compensation  policy  - approval  (in  the  following  order)  by  the:  (i)  compensation 
committee, (ii) board of directors and (iii) company’s shareholders with the “Special Majority” described above.

62

o

In  the  event  the  transaction  is  not  in  accordance  with  the  compensation  policy – the  approval  process  and  requirements  are  the  same  as  the 
approval  process  for  such  a  transaction  with  an  office  holder  who  is  not  the  general  manager,  a  controlling  shareholder  or  a  relative  of  the
controlling shareholder.

(cid:131)

The  Israeli  Companies  Law  includes  an  exception  from  the  shareholder  approval  requirement  in  connection  with  the  approval  of  a
transaction with a general manager candidate, subject to certain conditions. In addition, in the event the company’s shareholders do not 
approve  the  compensation  of  the  general  manager,  the  compensation  committee  and  board  of  directors  may  still  approve  the
transaction, in special cases and with detailed reasons and after discussion and examining the rejection of the company’s shareholders.

(cid:120) With respect to a director who is not a controlling shareholder or a relative of the controlling shareholder:

o

o

In  the  event  the  transaction  is  in  accordance  with  the  compensation  policy  – approval  (in  the  following  order)  by  the:  (i)  compensation 
committee, (ii) board of directors and (iii) company’s shareholders with a regular majority.

In  the  event  the  transaction  is  not  in  accordance  with  the compensation  policy  – the  approval  process  and  requirements  are  the  same  as  the 
approval  process  for  such  a  transaction  with  an  office  holder  who  is  not  the  general  manager,  a  controlling  shareholder  or  a  relative  of  the
controlling shareholder (other than the possibility to approve a transaction that was not approved by the shareholders).

(cid:120) With respect to a controlling shareholder or a relative of a controlling shareholder:

o

o

In  the  event  the  transaction  is  in  accordance  with  the  compensation  policy  - approval  (in  the  following  order)  by  the:  (i)  compensation 
committee, (ii) board of directors and (iii) company’s shareholders with the “Special Majority” described above.

In  the  event  the  transaction  is  not  in  accordance  with  the  compensation  policy:  the  approval  process  and  requirements  are  the  same  as  the
approval  process  for  such  a  transaction  with  an  office  holder  who  is  not  the  general  manager,  a  controlling  shareholder  or  a  relative  of  the
controlling shareholder (other than the possibility to approve a transaction that was not approved by the shareholders).

In  accordance  with  the  Israeli  Companies  Law,  the  audit  committee  is  responsible  to  determine  that  Controlling  Party  Transactions  shall  be  subject  to  a
competitive procedure or other similar procedure before such transactions are approved.

Provisions Restricting Change in Control of Our Company 

Tender Offer. In certain circumstances, an acquisition of shares in a public company must be made by means of a tender offer if, as a result of the acquisition, the
purchaser would hold 25% or more of the voting rights in the company (unless there is already a 25% or greater shareholder of the company) or more than 45% of
the  voting  rights  in  the  company  (unless  there  is  already  a  shareholder  that  holds  more  than  45%  of  the  voting  rights  in  the  company).  If,  as  a  result  of  an
acquisition, the acquirer would hold more than 90% of a company’s shares or voting rights, the acquisition must be made by means of a tender offer for all of the
shares. A purchase by a tender offer is subject to additional requirements as specified in the Israeli Law and regulations promulgated thereunder.

63

Merger. The Israeli Companies Law generally requires that a merger be approved by the board of directors and by the general meeting of the shareholders. Upon
the request of any creditor of a merging company, a court may delay or prevent the merger if it concludes that there is a reasonable concern that, as a result of the
merger, the surviving company will be unable to satisfy its obligations. In addition, a merger may generally not be completed unless at least (i) 50 days have
passed  since  the  filing  of  the  merger  proposal  with  the  Israeli  Registrar  of  Companies,  and  (ii)  30  days  have  passed  since  the  merger  was  approved  by  the
shareholders of each of the merging companies. The approval of merger by the company is also subject to additional approval requirements as specified in the
Israeli Companies Law and regulations promulgated thereunder.

Exculpation, Indemnification and Insurance of Directors and Officers 

Exculpation and Indemnification of Office Holders

The Israeli Companies  Law and our Articles of Association authorize us, subject to the receipt of requisite corporate approvals, to indemnify and exempt our
directors and officers, subject to certain conditions and limitations.  Most recently, in November 2011 our shareholders approved a form of indemnification and
exculpation  letter  to  ensure  that  our  directors  and  officers  (including  any  director  and  officer  who  may  be  deemed  to  be  a  controlling  shareholder,  within  the
meaning  of  the  Israeli  Companies  Law)  are  afforded  protection  to  the  fullest  extent  permitted  by  law  as  currently  in  effect.  Under  the  approved  form  of
indemnification and exculpation letter, the total amount of indemnification allowed may not exceed an amount equal to 25% of our shareholders’ equity in the 
aggregate, calculated with respect to each of our directors and officers.

The Israeli Companies Law provides that an Israeli company may not exculpate an office holder from liability for a breach of the duty of loyalty of the office
holder. The company may, however, approve an office holder’s act performed in breach of the duty of loyalty, provided that the office holder acted in good faith,
the act or its approval does not harm the company and the office holder discloses the nature of his or her personal interest in the act and all material facts and
documents a reasonable time before discussion of the approval. An Israeli company may exculpate an office holder in advance from liability to the company, in
whole or in part, for a breach of duty of care, but only if a provision authorizing such exculpation is inserted in its articles of association. An Israeli company may
also not exculpate a director for liability arising out of a prohibited dividend or distribution to shareholders.

The Israeli Companies Law provides that a company may, if permitted by its articles of association, indemnify an office holder for acts or omissions performed
by the office holder in such capacity for:

(cid:120) A financial liability imposed on the office holder in favor of another person by any judgment, including a settlement or an arbitrator’s award approved by 

a court;

(cid:120)

(cid:120)

Reasonable litigation expenses, including attorney’s fees, actually incurred by the office holder as a result of an investigation or proceeding instituted
against him or her by a competent authority, provided that such investigation or proceeding concluded without the filing of an indictment against the
office  holder  or  the  imposition  of  any  financial  liability  in  lieu  of  criminal  proceedings,  or  concluded  without  the  filing  of  an  indictment  against  the
office holder and a financial liability was imposed on the officer holder in lieu of criminal proceedings with respect to a criminal offense that does not
require proof of criminal intent; and

Reasonable litigation expenses, including attorneys’ fees, incurred by such office holder or which were imposed on him by a court, in proceedings the
company instituted against the office holder or that were instituted on the company’s behalf or by another person, or in a criminal charge from which the
office holder was acquitted, or in a criminal proceeding in which the office holder was convicted of a crime which does not require proof of criminal
intent.

64

(cid:120)

Expenses, including reasonable litigation  expenses  and  legal  fees, incurred  by  such  office holder as  a  result  of a  proceeding  instituted against  him  in
relation to (A) infringements that may result in imposition of financial sanction pursuant to the provisions of Chapter H'3 under the Israeli Securities Law
or  (B)  administrative  infringements  pursuant  to  the  provisions  of  Chapter  H'4  under  the  Israeli  Securities  Law  or  (C)  infringements  pursuant  to  the
provisions  of  Chapter  I'1  under  the  Israeli  Securities  Law;  and  (e)  payments  to  an  injured  party  of  infringement  under  Section  52ND(a)(1)(a)  of  the
Israeli Securities Law.

In accordance with the Israeli Companies Law, a company’s articles of association may permit the company to:

(cid:120) Undertake  in  advance  to  indemnify  an  office  holder,  except  that  with  respect  to  a  financial  liability  imposed  on  the  office  holder  by  any  judgment,
settlement or court-approved arbitration award, the undertaking must be limited to types of occurrences, which, in the opinion of the company’s board of 
directors, are, at the time of the undertaking, foreseeable due to the company’s activities and to an amount or standard that the board of directors has
determined is reasonable under the circumstances; and

(cid:120)

Retroactively indemnify an office holder of the company.

Insurance for Office Holders

The Israeli Companies Law provides that a company may, if permitted by its articles of association, insure an office holder for acts or omissions performed by the
office holder in such capacity for:

(cid:120) A breach of his or her duty of care to the company or to another person;

(cid:120) A breach of his or her duty of loyalty to the company, provided that the office holder acted in good faith and had reasonable cause to assume that his act

would not prejudice the company’s interests; and

(cid:120) A financial liability imposed upon the office holder in favor of another person.

Subject to the provisions of the Israeli Companies Law and the Israeli Securities Law,  a company may also enter into a contract to insure an office holder for (A)
expenses, including reasonable litigation expenses and legal fees, incurred by the office holder as a result of a proceeding instituted against such office holder in
relation to (1) infringements that may impose financial sanction pursuant to the provisions of Chapter H’3 under the Israeli Securities Law or (2) administrative 
infringements pursuant to the provisions of Chapter H’4 under the Israeli Securities Law or (3) infringements pursuant to the provisions of Chapter I’1 under the 
Israeli Securities Law and (B) payments made to the injured parties of such infringement under Section 52ND(a)(1)(a) of the Israeli Securities Law.

Our  articles  of  association  allow  us  to  insure  our  office  holders  to  the  fullest  extent  permitted  by  law.   At  our  2011  annual  general  meeting,  our  shareholders
approved a framework agreement of terms and conditions for the renewal, extension or replacement, from time to time, for a period of up to three years from
December 14, 2011, of our directors’ and officers’ liability insurance policy for all directors and officers of the company and its subsidiaries, who may serve from
time to time (including a director who may be deemed a controlling shareholder, within the meaning of the Israeli Companies Law), according to which (i) the
annual aggregate premium of the new policy may not exceed 25% of the previous year’s aggregate premium; (ii) the coverage limit per claim and in the aggregate
under the new policy may not exceed an amount representing an increase of 25% in any year, as compared to the previous year’s aggregate coverage limit; and 
(iii) the terms of any new policy must be identical with respect to all of our officers and directors (including officers and directors who may be deemed controlling
shareholders,  within  the  meaning  of  the  Israeli  Companies  Law).  No  further  approval  by  our  shareholders  will  be  required  in  connection  with  any  renewal,
extension or purchase of any new policy entered into in compliance with the foregoing terms and conditions of the framework agreement.

65

Limitations on Exculpation, Insurance and Indemnification

The Israeli Companies Law provides that neither a provision of the articles of association permitting the company to enter into a contract to insure the liability of
an office holder, nor a provision in the articles of association or a resolution of the board of directors permitting the indemnification of an office holder, nor a
provision in the articles of association exempting an office holder from duty to the company shall be valid, where such insurance, indemnification or exemption
relates to any of the following:

(cid:120)

(cid:120)

(cid:120)

(cid:120)

a breach by the office holder of his duty of loyalty, except with respect to insurance coverage or indemnification if the office holder acted in good faith
and had reasonable grounds to assume that the act would not prejudice the company;

a  breach  by  the  office  holder  of  his  duty  of  care  if  such  breach  was  committed  intentionally  or  recklessly,  unless  the  breach  was  committed  only
negligently;

any act or omission committed with intent to derive an unlawful personal gain; and

any fine, civil fine, financial sanction or forfeiture imposed on the office holder.

In addition, pursuant to the Israeli Companies Law, exemption of, procurement of insurance coverage for, an undertaking to indemnify or indemnification of an
office holder must be approved by the compensation committee and the board of directors and, if such office holder is a director or a controlling shareholder or a
relative of the controlling shareholder, also by the shareholders general meeting.

Our articles  of association allow  us  to  insure, indemnify and exempt our  office holders to the fullest extent permitted  by law, subject  to  the provisions  of the
Israeli Companies Law. We currently maintain a directors’ and officers’ liability insurance policy with a per-claim and aggregate coverage limit of $20 million, 
including legal costs incurred world-wide.

D.

EMPLOYEES

The following table presents the number of our employees categorized by geographic location as of December 31, 2011, 2012 and 2013:

Israel
Asia
North America
South Africa
Europe

Total

Year ended December 31,
2012

2013

2011

144
97
623
41
73
977

287
105
460
34
120
1,006

The following table presents the number of our employees categorized by activity as of December 31, 2011, 2012 and 2013:

Technical support and consulting
Research and development
Marketing and sales
Operations and administrations

Total

Year ended December 31,
2012

2013

2011

689
96
124
69
977

681
136
109
80
1,006

66

373
111
682
29
107
1,302

920
152
136
94
1,302

Our  relationships  with  our  employees  in  Israel  are  governed  by  Israeli  labor  legislation  and  regulations,  extension  orders  of  the  Israeli  Ministry  of  Labor  and
personal employment agreements. Israeli labor laws and regulations are applicable to all of our employees in Israel. The laws concern various matters, including
severance pay rights at termination, notice period for termination, retirement or death, length of workday and workweek, minimum wage, overtime payments and
insurance for work-related accidents. We currently fund our ongoing legal severance pay obligations by paying monthly premiums for our employees’ insurance 
policies  and  or  pension  funds. At  the  time  of  commencement  of  employment,  our  employees  generally  sign  written  employment  agreements  specifying  basic
terms and conditions of employment as well as non-disclosure, confidentiality and non-compete provisions.

E.

SHARE OWNERSHIP

Beneficial Ownership of Executive Officers and Directors

The following table sets forth certain information as of February 20, 2014 regarding the beneficial ownership by each of our directors and executive officers:

Name
Elan Penn
Guy Bernstein (3)
Asaf Berenstin (4)
Itiel Efrat
Naamit Salomon
Yehezkel Zeira

* Less than 1%

Number of Ordinary Shares Percentage of
Beneficially Owned (1) Ownership (2)
—
*
*
—
—
—

—
200,000
65,000
—
18,000
—

(1)

(2)

(3)

(4)

Beneficial ownership is determined in accordance with the rules of the SEC and generally includes voting or investment power with respect to securities. 
Ordinary shares relating to options currently exercisable or exercisable within 60 days of the date of this table are deemed outstanding for computing the 
percentage of the person holding such securities but are not deemed outstanding for computing the percentage of any other person. Except as indicated 
by footnote, and subject to community property laws where applicable, the persons named in the table above have sole voting and investment power with 
respect to all shares shown as beneficially owned by them.

The percentages shown are based on 37,232,185 ordinary shares issued and outstanding as of February 18, 2014.

Subject to currently exercisable options granted under our 2007 Stock Option Plan, having an exercise price of $0 per share that expires in November,
2020.

Subject to currently exercisable options granted under our 2007 Stock Option Plan, having an exercise price ranging from $0 to $4 per share that expires
in 2023 the latest.

67

Stock-Based Compensation Plans 

2000 Stock Option Plan

In 2000, we adopted our 2000 Employee Stock Option Plan, or the 2000 Plan, which terminated in November 2010. No award of options can be made under this
plan after such date. An option may not be exercisable after the expiration of ten years from the date of its award, except that in case of an incentive stock option
made to a 10% owner (as such term is defined in the 2000 Plan), such option may not be exercisable after the expiration of five years from its date of award. No
option may be exercised after the expiration of its term. Options are not assignable or transferable by the optionee, other than by will or the laws of descent and
distribution, and may be exercised during the lifetime of the optionee only by the optionee or his guardian or legal representative; provided, however, that during
the optionee’s lifetime, the optionee may, with the consent of the Option Committee transfer without consideration all or any portion of his options to members of
the optionee’s immediate family, a trust established for the exclusive benefit of members of the optionee’s immediate family, or a limited liability company in 
which all members are members of the optionee’s immediate family.

During 2013, options to purchase an aggregate of 254,083 ordinary shares were exercised under the 2000 Plan at an average exercise price of $3.44 per share and
options to purchase 58,780  ordinary shares remained outstanding. As of December  31, 2013, our executive officers and directors as a group, consisting of 15
persons, held options to purchase 1,530 ordinary shares under the 2000 Plan, having an average exercise price of $5.95 per share.

2007 Incentive Compensation Plan. 

In 2007, we adopted our 2007 Incentive Compensation Plan, or the 2007 Plan, under which we may grant options, restricted shares, restricted share units and
performance  awards  to  employees,  officers,  directors  and  consultants  of  our  company  and  its  subsidiaries.  The  shares  subject  to  the  2007  Plan  may  be  either
authorized and unissued shares or previously issued shares acquired by our company or any of its subsidiaries. The total number of shares that may be delivered
pursuant to awards under the 2007 Plan shall not exceed 1,500,000 shares in the aggregate. If any award shall expire, terminate, be cancelled or forfeited without
having been fully exercised or satisfied by the issuance of shares, then the shares subject to such award shall be available again for delivery in connection with
future awards under the 2007 Plan.

The 2007 Plan will terminate upon the earliest of (i) the expiration of its ten year period, or (ii) the termination of all outstanding awards in connection with a
corporate transaction, or (iii) in connection with, and as a result of, any other relevant event, including the 2007 Plan’s termination by the Board of Directors.

Under  the  2007  Plan,  the  option  committee  shall  have  full  discretionary  authority  to  grant  or, when  so  restricted  by  applicable  law,  recommend  the  Board  of
Directors to grant, pursuant to the terms of the 2007 Plan, options and restricted shares and restricted share units to those individuals who are eligible to receive
awards under the 2007 Plan.

The 2007 Plan provides that each option will expire on the date stated in the award agreement, which will not be more than ten years from its date of grant. The
exercise  price  of  an  option  shall  be  determined  by  the  option  committee  of  the  Board  of  Directors  and  set  forth  in  the  award  agreement.  Unless  determined
otherwise by the Board of Directors, the exercise price shall be equal to, or higher than, the fair market value of our company’s shares on the date of grant.

Under the 2007 Plan, restricted shares and restricted share units shall not be purchased for less than the ordinary share’s par value, unless determined otherwise by
the Board of Directors.

In September 2013, our shareholders approved to increase the number of ordinary shares available for issuance under the 2007 Stock Option Plan by additional
1,000,000 shares.

68

Our Board of Directors may, from time to time, alter, amend, suspend or terminate the 2007 Plan, with respect to awards that have not been granted, subject to
shareholder approval, if and to the extent required by applicable law. In addition, no such amendment, alteration, suspension or termination of the 2007 Plan or
any award theretofore granted, shall be made which would materially impair the previously accrued rights of a participant under any outstanding award without
the written consent of such participant, provided, however, that the Board of Directors may amend or alter the 2007 Plan and the option committee may amend or
alter any award, including any agreement, either retroactively or prospectively, without the consent of the applicable participant, (i) so as to preserve or come
within any exemptions from liability under any law or the rules and releases promulgated by the SEC, or (ii) if the Board of Directors or the option committee
determines in its discretion that such amendment or alteration either is (a) required or advisable for us, the 2007 Plan or the award to satisfy, comply with or meet
the requirements of any law, regulation, rule or accounting standard or (b) not reasonably likely to significantly diminish the benefits provided under such award,
or that such diminishment has been or will be adequately compensated.

During 2013, options to purchase an aggregate of 274,544 ordinary shares were exercised under the 2007 Plan at an average exercise price of $2.07 per share and
options to purchase 644,330 ordinary shares remained outstanding. As of December 31, 2013, our executive officers and directors as a group, consisting of 15
persons, held options to purchase 333,163 ordinary shares under the 2000 Plan, having an average exercise price of $3.44 per share.

ITEM 7. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

A.

MAJOR SHAREHOLDERS

Formula  Systems,  an  Israeli  company  traded  on  the  NASDAQ  Global  Select  Market  and  the  TASE,  holds  19,160,044  or  51.5%  of  our  outstanding
ordinary shares. Formula Systems is controlled by Asseco, a Polish company listed on the Warsaw Stock Exchange, which holds 46.3% of the ordinary shares of
Formula Systems. Accordingly, Asseco ultimately controls our company.

The  following  table  sets  forth  as  of  April  5,  2014  certain  information  regarding  the  beneficial  ownership  by  all  shareholders  known  to  us  to  own

beneficially 5.0% or more of our ordinary shares:

Name
Formula Systems (1985) Ltd. (3)
Asseco Poland S.A. (3)

Number of
Ordinary Shares
Beneficially
Owned(1)

19,160,044
6,823,602

Percentage of
Ownership (2)

51.5%
46.3%

(1)

(2)

(3)

Beneficial ownership is determined in accordance with the rules of the SEC and generally includes voting or investment power with respect to 
securities. Ordinary shares relating to options currently exercisable or exercisable within 60 days of the date of this table are deemed outstanding 
for  computing  the  percentage  of  the  person holding  such  securities  but  are  not  deemed  outstanding  for  computing  the  percentage  of  any  other 
person. Except as indicated by footnote, and subject to community property laws where applicable, the persons named in the table above have sole 
voting and investment power with respect to all shares shown as beneficially owned by them.

The percentages shown are based on 37,232,185 ordinary shares issued and outstanding as of February 18, 2014.

Asseco owned 46.3% of the outstanding shares of Formula Systems as of as of 14, 2014. As such, Asseco may be deemed to be the beneficial 
owner of the aggregate 19,160,044 ordinary shares held directly by Formula Systems. The address of Formula Systems is 5 Haplada Street, Or-
Yehuda, Israel. The address of Asseco is 35-322 Rzeszow, ul. Olchowa 14, Poland.

Significant Changes in the Ownership of Major Shareholders

On  September  11,  2012  Formula  Systems  filed a  Schedule  13D/A  with  the  SEC  reflecting  ownership  of  19,050,044  of  our  ordinary  shares.  According  to  the
Schedule  13D/A,  from  December  2008  through  September  7,  2012,  it  purchased  an  aggregate  of  515,292  of  our  ordinary  shares  in  open  market  transactions
increasing Formula System’s ownership interest in our shares to 51.3%.

69

Major Shareholders Voting Rights

Our major shareholders do not have different voting rights.

Record Holders

Based on a review of the information provided to us by our U.S. transfer agent, as of April 15, 2014, there were approximately 81 record holders, of which 62
record holders holding approximately 76.5% of our ordinary shares had registered addresses in the United States. These numbers are not representative of the
number of beneficial holders of our shares nor are they representative of where such beneficial holders reside, since many of these ordinary shares were held of
record by brokers or other nominees (including one U.S. nominee company, CEDE & Co., which held approximately 54.8% of our outstanding ordinary shares as
of such date).

B.

RELATED PARTY TRANSACTIONS

For more information about related party transactions see above under the heading "Item 6C. Directors, Senior Management and Employees – Board Practices -
Approval of Related Party Transactions Under Israeli Law.

C.

INTERESTS OF EXPERTS AND COUNSEL

Not applicable.

ITEM 8.

FINANCIAL INFORMATION

A.

CONSOLIDATED STATEMENTS AND OTHER FINANCIAL INFORMATION

See the consolidated financial statements, including the notes thereto, included in Item 18.

Export Sales

Our export sales constitute a significant portion of our total sales volume. See Note 19(c) to our consolidated financial statements.

Legal Proceedings

In addition to the below mentioned legal proceedings, we and our subsidiaries are, from time to time, subject to legal, administrative and regulatory proceedings,
claims, demands and investigations in the ordinary course of business, including claims with respect to intellectual property, contracts, employment and other
matters. Based upon the advice of counsel, we do not believe that the ultimate resolution of these matters will materially affect our consolidated financial position,
results of operations or cash flows.

70

In August 2009, a software company and one of its owners filed an arbitration proceeding against us and one of our subsidiaries, claiming an alleged breach of a
non-disclosure agreement between the parties. The plaintiffs are seeking damages in the amount of approximately NIS 52 million (approximately $15 million).
The arbitrator determined that both we and our subsidiary breached the non-disclosure agreement. Closing summaries regarding damages have been filed by both
parties, but the arbitrator has not yet rendered his ruling. In June 2011, the plaintiffs filed a motion to allow them to amend the claim by adding new causes of
action and increasing the damages claimed in the lawsuit by approximately NIS 238 million (approximately $69 million), based on new arguments. Following
discussions, the arbitrator rejected the motion an determined that if the plaintiffs wish to claim the additional damages (and the addition causes of action|) they
should do so in a separate legal proceeding. To date, the plaintiffs have not filed an additional lawsuit. We recorded an accrual to cover damages to be awarded, if
any, based on the conclusions of the financial expert opinion that we filed in the arbitration proceedings. At this time, given the multiple uncertainties involved
and in large part to the highly speculative nature of the damages sought by the plaintiff and the wide discretion given to the arbitrator in quantifying and awarding
damages, we are unable to estimate the amount of the probable loss, if any, to be recognized or whether our accrual will be sufficient to cover the damages that
may be awarded. An unfavorable decision as to damages, or the initiation of new proceedings against us by the plaintiffs could adversely affect our results of
operations and financial condition.

Dividend Distribution Policy

In September 2012, our Board of Directors adopted a policy for distributing dividends, under which we will distribute a dividend of up to 50% of our annual
distributable  profits  each  year,  subject  to  any  applicable  law.  It  is  possible  that  our  Board  of  Directors  will  decide,  subject  to  the  conditions  stated  above,  to
declare additional dividend distributions. Our Board of Directors may at its discretion and at any time, change, whether as a result of a one-time decision or a 
change in policy, the rate of dividend distributions or not to distribute a dividend.

In  line  with  our  Board  of  Directors’ dividend  policy,  in  October  2012,  we  paid  a  cash  dividend  of  $0.10  per  share  ($3.7  million  in  the  aggregate)  to  our
shareholders of record on October 2, 2012. In February 2013 we declared a cash dividend of $0.12 per share ($4.4 million in the aggregate) to our shareholders of
record on February 25, 2013 that was payable on March 14, 2013. In August 2013, we declared an additional cash dividend of $0.09 per share ($3.4 million in the
aggregate) to our shareholders of record on August 21, 2013 that was payable on September 3, 2013.

According to the Israeli Companies Law, a company may distribute dividends out of its profits provided that there is no reasonable concern that such dividend
distribution will prevent the company from paying all its current and foreseeable obligations, as they become due. Notwithstanding the foregoing, dividends may
be paid with the approval of a court, provided that there is no reasonable concern that such dividend distribution will prevent the company from satisfying its
current and foreseeable obligations, as they become due. Profits, for purposes of the Israeli Companies Law, means the greater of retained earnings or earnings
accumulated during the preceding two years, after deducting previous distributions that were not deducted from the surpluses.

B.

SIGNIFICANT CHANGES

Except as otherwise disclosed in this annual report, no significant change has occurred since December 31, 2013.

ITEM 9.

THE OFFER AND LISTING

A.

OFFER AND LISTING DETAILS

Annual Stock Information

The following table sets forth, for each of the years indicated, the range of high ask and low bid prices of our ordinary shares on the NASDAQ Global Select
Market (for periods from January 3, 2011) or the NASDAQ Global Market (for periods prior to January 3, 2011) and the TASE:

Year
2009
2010
2011
2012
2013

NASDAQ

TASE*

High

Low

High

Low

$
$
$
$
$

2.50
8.43
9.74
7.32
7.18

$
$
$
$
$

0.98
1.55
3.91
3.76
4.53

$
$
$
$
$

2.38
8.11
9.55
7.42
7.06

$
$
$
$
$

1.04
1.56
3.95
3.94
4.73

* The U.S. dollar price of shares on the TASE is determined by dividing the price of an ordinary share in NIS by the representative exchange rate of the NIS
against the U.S. dollar on the same date.

71

Quarterly Stock Information

The following table sets forth, for each of the financial quarters in the two most recent financial years, the range of high ask and low bid prices of our ordinary
shares on the NASDAQ Global Select Market and the TASE:

2012
First Quarter 
Second Quarter 
Third Quarter 
Fourth Quarter 

2013
First Quarter 
Second Quarter 
Third Quarter 
Fourth Quarter 

2014
First Quarter (through February 18, 2014) 

NASDAQ

TASE*

High

Low

High

Low

$
$
$
$

$
$
$
$

$

7.32
6.60
5.63
4.92

5.47
5.59
6.95
7.18

9.00

$
$
$
$

$
$
$
$

$

4.97
5.33
4.01
3.76

4.53
4.91
5.40
6.12

7.00

$
$
$
$

$
$
$
$

$

7.42
6.65
5.66
4.99

5.36
5.65
6.85
7.23

$
$
$
$

$
$
$
$

$

4.98
5.47
3.98
3.94

4.60
4.83
5.50
6.18

* The U.S. dollar price of shares on the TASE is determined by dividing the price of an ordinary share in NIS by the representative exchange rate of the NIS
against the U.S. dollar on the same date.

Monthly Stock Information

The following table sets forth, for the most recent six months, the range of high ask and low bid prices of our ordinary shares on the NASDAQ Global Select 
Market and the TASE:

August 2013
September 2013
October 2013 
November 2013 
December 2013 
January 2014 
February 2014 (through February 18, 2014) 

NASDAQ

TASE*

High

Low

High

Low

$
$
$
$
$

6.92
6.56
7.18
8.25
8.26

$
$
$
$
$

6.12
6.25
6.62
7.12
7.68

$
$
$
$
$

6.92
6.64
7.27
8.76
8.57

$
$
$
$
$

6.16
6.23
6.63
7.03
7.65

* The U.S. dollar price of shares on the TASE is determined by dividing the price of an ordinary share in NIS by the representative exchange rate of the NIS 
against the U.S. dollar on the same date.

B.

PLAN OF DISTRIBUTION

Not applicable.

72

C.

MARKETS

Our ordinary shares were listed on the NASDAQ Global Market (symbol: MGIC) from our initial public offering in the United States on August 16, 1991 until 
January 3, 2011, at which date the listing of our ordinary shares was transferred to the NASDAQ Global Select Market. Since November 16, 2000, our ordinary 
shares have also traded on the TASE, and on December 15, 2011 they have been included in the TASE’s TA-100 Index.

D.

SELLING SHAREHOLDERS

Not applicable.

E.

DILUTION

Not applicable.

F.

EXPENSES OF THE ISSUE

Not applicable.

ITEM 10. ADDITIONAL INFORMATION

A.

SHARE CAPITAL

Not applicable.

B.

MEMORANDUM AND ARTICLES OF ASSOCIATION

Set out below is a description of certain provisions of our Articles of Association and of the Israeli Companies Law related to such provisions. This description is
only  a  summary  and  does  not  purport  to  be  complete  and  is  qualified  by  reference  to  the  full  text  of  the  Articles  of  Association,  which  are  incorporated  by
reference as an exhibit to this Annual Report.

Purposes and Objects of the Company

We are a public company registered with the Israeli Companies Registry as Magic Software Enterprises Ltd., registration number 52-003674-0. Section 2 of our 
memorandum of association provides that we were established for the purpose of engaging in all fields of the computer business and in any other lawful activity
permissible under Israeli law.

The Powers of the Directors

According  to  our  articles  of  association,  and  under  the  limitations  described  therein,  our  board  of  directors  may  cause  the  company  to  borrow  or  secure  the
payment of any sum or sums of money for the purposes of the company, and set aside any amount out of our profits as a reserve for any purpose.

Under our articles of association, retirement of directors from office is not subject to any age limitation and our directors are not required to own shares in our
company in order to qualify to serve as directors.

73

Rights Attached to Shares

Our authorized share capital consists of 50,000,000 ordinary shares of a nominal value of NIS 0.1 each. All outstanding ordinary shares are validly issued, fully
paid and non-assessable. The rights attached to the ordinary shares are as follows:

Dividend rights. Holders of our ordinary shares are entitled to the full amount of any cash or share dividend subsequently declared. The board of directors may
declare interim dividends and propose the final dividend with respect to any fiscal year only out of the retained earnings, in accordance with the provisions of the
Israeli Companies Law. See “Item 8A. Financial Information – Consolidated and Other Financial Information – Dividend Distributions Policy.” All unclaimed 
dividends or other monies payable in respect of a share may be invested or otherwise made use of by the Board of Directors for our benefit until claimed. Any
dividend unclaimed after a period of three years from the date of declaration of such dividend will be forfeited and will revert to us; provided, however, that the
Board of Directors may, at its discretion, cause us to pay any such dividend to a person who would have been entitled thereto had the same not reverted to us. We
are not obligated to pay interest or linkage differentials on an unclaimed dividend.

Voting rights. Holders of ordinary shares have one vote for each ordinary share held on all matters submitted to a vote of shareholders. Such voting rights may be
affected by the grant of any special voting rights to the holders of a class of shares with preferential rights that may be authorized in the future subject to the
provisions of Israeli law.

The quorum required at any meeting of shareholders consists of at least two shareholders present in person or represented by proxy who hold or represent, in the
aggregate, at least one-third (33%) of the voting rights in the company. A meeting adjourned for lack of a quorum is generally adjourned to the same day in the
following  week  at  the  same  time  and  place  or  any  time  and  place  as  the  directors  designate  in  a  notice  to  the  shareholders.  At  the  reconvened  meeting,  the
required quorum consists of any two members present in person or by proxy. Under our articles of association, all resolutions require approval of no less than a
majority of the voting rights represented at the meeting in person or by proxy and voting thereon.

Pursuant to our articles of association, our directors (except external directors) are elected at our annual general meeting of shareholders by a vote of the holders
of a majority of the voting power represented and voting at such meeting and hold office until the next annual general meeting of shareholders and until their
successors have been elected. All the members of our Board of Directors (except the external directors) may be reelected upon completion of their term of office.
Asseco, our controlling shareholder, and Formula Systems, our parent company, will be able to exercise control over the election of our directors (subject to a
special majority required for the election of external directors). See “Item 7A. Major Shareholders and Related Party Transactions – Major Shareholders.” For 
information regarding the election of external directors, see “Item 6C. Directors, Senior Management and Employees – Board Practices — Election of Directors.”

Rights to share in the company’s profits. Our shareholders have the right to share in our profits distributed as a dividend and any other permitted distribution.
See this Item 10B. “Additional Information – Memorandum and Articles of Association – Rights Attached to Shares – Dividend Rights.”

Rights to share in surplus in the event of liquidation. In the event of our liquidation, after satisfaction of liabilities to creditors, our assets will be distributed to
the holders of ordinary shares in proportion to the nominal value of their holdings. This right may be affected by the grant of preferential dividend or distribution
rights to the holders of a class of shares with preferential rights that may be authorized in the future subject to Israeli law.

Liability to capital calls by the company. Under our memorandum of association and the Israeli Companies Law, the liability of our shareholders to provide us
with additional funds is limited to the par value of the shares held by them.

74

Limitations on any existing or prospective major shareholder. See Item 6C. “Directors and Senior Management –Board Practices – Approval of Related Party 
Transactions Under Israeli Law.”

Changing Rights Attached to Shares

According to our articles of association, the rights attached to any class of shares may be modified or abrogated by us, subject to the consent in writing of, or
sanction of a resolution passed by, the holders of a majority of the issued shares of such class at a separate general meeting of the holders of the shares of such
class. 

Annual and Extraordinary Meetings

Under the Israeli Companies Law a company must convene an annual meeting of shareholders at least once every calendar year and within fifteen months of the
last annual meeting. Depending on the matter to be voted upon, notice of at least 21 days or 35 days prior to the date of the meeting is required. Our board of
directors may, in its discretion, convene additional meetings as “extraordinary general meetings.” In addition, the board must convene an extraordinary general 
meeting upon the demand of two of the directors or 25% of the nominated directors, one or more shareholders holding at least 5% of the outstanding share capital
and at least 1% of the voting power in the company, or one or more shareholders holding at least 5% of the voting power in the company.

Limitations on the Rights to Own Securities in Our Company

Neither our memorandum of association or our articles of association nor the laws of the State of Israel restrict in any way the ownership or voting of shares by
non-residents, except with respect to subjects of countries which are in a state of war with Israel.

Provisions Restricting Change in Control of Our Company

See  Item  6C,  "Provisions  Restricting  Change  in  Control  of  Our  Company"  and  Item  6C  “Directors,  Senior  Management  and  Employees  – Board  Practices –
Approval of Related Party Transactions Under Israeli Law.”

C.

MATERIAL CONTRACTS

While  we  have  numerous  contracts  with  customers,  resellers,  distributors  and  landlords,  we  do  not  deem  any  such  individual  contract  to  be  material

contracts which are not in the ordinary course of our business.

D.

EXCHANGE CONTROLS

Israeli law and regulations do not impose any material foreign exchange restrictions on non-Israeli holders of our ordinary shares.

Non-residents  of  Israel  who  purchase  our  ordinary  shares  will  be  able  to  convert  dividends,  if  any,  thereon,  and  any  amounts  payable  upon  our  dissolution,
liquidation or winding up, as well as the proceeds of any sale in Israel of our ordinary shares to an Israeli resident, into freely repatriable dollars, at the exchange
rate prevailing at the time of conversion, provided that the Israeli income tax has been withheld (or paid) with respect to such amounts or an exemption has been
obtained.

E.

TAXATION

The following is a discussion of Israeli and United States tax consequences material to our shareholders. To the extent that the discussion is based on new tax
legislation which has not been subject to judicial or administrative interpretation, we cannot assure you that the views expressed in the discussion will be accepted
by  the  appropriate  tax  authorities  or  the  courts.  The  discussion  is  not  intended,  and  should  not  be  construed,  as  legal  or  professional  tax  advice  and  is  not
exhaustive of all possible tax considerations.

75

Holders of our ordinary shares should consult their own tax advisors as to the United States, Israeli or other tax consequences of the purchase, ownership and
disposition of ordinary shares, including, in particular, the effect of any foreign, state or local taxes.

ISRAELI TAX CONSIDERATIONS

The following is a summary of some of the current tax law applicable to companies in Israel, with special reference to its effect on us. The following also contains
a discussion of specified Israeli tax consequences to our shareholders and government programs benefiting us. To the extent that the discussion is based on tax
legislation  that  has  not  been  subject  to  judicial  or  administrative  interpretation,  there  can  be  no  assurance  that  the  views  expressed  in  the  discussion  will  be
accepted by the tax authorities in question. The discussion is not intended, and should not be construed, as legal or professional tax advice and is not exhaustive of
all possible tax considerations.

General Corporate Tax Structure

The Israeli corporate tax rate was 24% in 2011, 25% in 2012 and 25% in 2013. The corporate tax rate increased to 26.5% in 2014. 

Tax Benefits Under the Law for the Encouragement of Capital Investments, 1959

Certain of our facilities have been granted “approved enterprise” status under the Law for the Encouragement of Capital Investments, 1959, as amended, or the
Investment Law.

Tax Benefits for Income from Approved Enterprises Approved Before April 1, 2005

Prior to April 1, 2005, the Investment Law provided that a proposed capital investment in production facilities or other eligible facilities may be designated as an
“approved  enterprise.” Each  approval  for  an  approved  enterprise  relates  to  a  specific  investment  program  that  is  defined  both  by  the  financial  scope  of  the
investment, including sources of funds, and by the physical characteristics of the facility or other assets. The tax benefits relate only to taxable profits attributable
to the specific program and are contingent upon meeting the criteria set out in the certificate of approval

Prior  to  April  1,  2005,  an  approved  enterprise  was  entitled  to  either  receive  a  grant  from  the  Government  of  Israel  or  an  alternative  package  of  tax  benefits,
referred to as the Alternative Benefits. We elected to forego the entitlement to grants and elected the Alternative Benefits package, under which undistributed
income that we generate from our approved enterprises will be completely tax exempt. The period of such tax exemption for a company electing the Alternative
Benefits  ranges  between  two  and  ten  years,  depending  upon  the  location  within  Israel  and  the  type  of  the  approved  enterprise.  Because  we  are  located  in  Or
Yehuda, the period of tax exemption applicable is two to four years (as described below).

On expiration of the exemption period, the approved enterprise would be eligible for beneficial tax rates otherwise available for approved enterprises under the
Investment Law (for our company, a rate of 25%) for the remainder of the otherwise applicable benefits period.

Alternative Benefits are available until the earlier of (i) seven consecutive years, commencing in the year in which the specific approved enterprise first generates
taxable income, (ii) 12 years from commencement of production and (iii) 14 years from the date of approval of the approved enterprise status.

76

Dividends paid out of income generated by an approved enterprise (or out of dividends received from a company whose income is derived from an approved
enterprise) are generally subject to withholding tax at the rate of 15%. This withholding tax is deductible at source by the approved enterprise. The 15% tax rate is
limited to dividends and distributions out of income derived during the benefits period and actually paid at any time up to 12 years thereafter. Since we elected the
Alternative Benefits track, we will be subject to payment of corporate tax at the rate of 25% in respect of the gross amount of the dividend that we may distribute
out of profits which were exempt from corporate tax in accordance with the provisions of the Alternative Benefits track. If we are also deemed to be a “Foreign 
Investors’ Company,” or FIC, and if the FIC (the definition of which appears below) is at least 49% owned by non-Israeli residents, the corporate tax rate paid by
us in respect of the dividend we may distribute from income derived by our approved enterprises during the tax exemption period may be taxed at a lower rate.

Since we have elected the Alternative Benefits package, we are not obliged to attribute any part of dividends that we may distribute to exempt profits, and we may
decide from which year’s profits to declare dividends. We currently intend to reinvest any income that we may in the future derive from our approved enterprise
programs and not to distribute the income as a dividend.

If we qualify as a FIC, our approved enterprises will be entitled to additional tax benefits. Subject to certain conditions, a FIC is a company with a level of foreign
investment of more than 25%. The level of foreign investment is measured as the percentage of rights in the company (in terms of shares, rights to profits, voting
and appointment of directors), and of combined share and loan capital, that are owned, directly or indirectly, by persons who are not residents of Israel. Such a
company will be eligible for an extension of the period during which it is entitled to tax benefits under its approved enterprise status (so that the benefit periods
may be up to ten years) and for further tax benefits if the level of foreign investment exceeds 49%.

The  Investment  Center  of  the  Ministry  of  Industry  and  Trade  has  granted  approved  enterprise  status  under  Israeli  law  to  eight  investment  programs  at  our
manufacturing facility. We have elected the Alternative Benefits package with respect to each of these approved enterprise programs. The benefits available to an
approved enterprise are subject to the fulfillment of conditions stipulated in the Investment Law and its regulations and the criteria in the specific certificate of
approval, as described above. If a company does not meet these conditions, it may be required to refund the amount of tax benefits, together with consumer price
index linkage adjustment and interest.

Tax Benefits under an Amendment that Became Effective on April 1, 2005

On April 1, 2005, an amendment to the Investment Law became effective. The Investment Law provides that terms and benefits included in any certificate of
approval that was granted before the 2005 amendment came into effect will remain subject to the provisions of the Investment Law as they were on the date of
such approval.

Under the 2005 amendment it is no longer necessary for a company to acquire approved enterprise status in order to receive the tax benefits previously available
under the Alternative Benefits provisions. Rather, a company may claim the tax benefits offered by the Investment Law directly in its tax returns, provided that its
facilities meet the criteria for tax benefits set out by the amendment. Companies are entitled to approach the Israeli Tax Authority for a pre-ruling regarding their 
eligibility for benefits under the amendment.

Tax benefits are available under the 2005 amendment to production facilities (or other eligible facilities), which are generally required to derive more than 25% of
their  business income from export. In order to receive the  tax benefits, the amendment states  that  the company must make an investment which meets all the
conditions set out in the amendment for tax benefits and exceeds a minimum amount specified in the Investment Law. Such investment allows the company to
receive a “benefited enterprise” status, and may be made over a period of no more than three years ending at the end of the year in which the company requested
to have the tax benefits apply to the benefited enterprise, referred to as the Year of Election. Where the company requests to have the tax benefits apply to an
expansion  of  existing  facilities,  only  the  expansion  will  be  considered  to  be  a  benefited  enterprise  and  the  company’s  effective  tax  rate  will  be  the  weighted
average of the applicable rates. In this case, the minimum investment required in order to qualify as a benefited enterprise is required to exceed a certain amount
or certain percentage of the value of the company’s production assets before the expansion.

77

The extent of the tax benefits available under the 2005 amendment to qualifying income of a benefited enterprise are determined by the geographic location of the
benefited enterprise. The location will also determine the period for which tax benefits are available.

Dividends paid out of income derived by a benefited enterprise will be treated similarly to payment of dividends by an approved enterprise under the Alternative
Benefits track. Therefore, dividends paid out of income derived by a benefited enterprise (or out of dividends received from a company whose income is derived
from a benefited enterprise) are generally subject to withholding tax at the rate of 15% (deductible at source) subject to the rates under any applicable double tax
treaty. The reduced rate of 15% is limited to dividends and distributions out of income derived from a benefited enterprise during the benefits period and actually
paid  at  any  time  up  to  12  years  thereafter.  A  company  qualifying  for  tax  benefits  under  the  amendment  which  pays  a  dividend  out  of  income  derived  by  its
benefited enterprise during the tax exemption period will be subject to tax in respect of the gross amount of the dividend at the otherwise applicable rate of 25%,
(or lower in the case of a qualified “FIC” which is at least 49% owned by non-Israeli residents). The dividend recipient would be subject to tax at the rate of 15%
on the amount received which tax would be deducted at source.

As a result of the 2005 amendment, tax-exempt income generated under the provisions of the amended law will subject us to taxes upon distribution of the tax-
exempt income to shareholders or liquidation of the company, and we may be required to record a deferred tax liability with respect to such tax-exempt income. 
The 2005 amendment sets a minimal amount of foreign investment required for a company to be regarded a FIC.

In December 2010, the Knesset passed the Law for Economic Policy for 2011 and 2012 (Amended Legislation), 2011, which, among other things, includes an
amendment  to  the  Investment  Law,  effective  as  of  January  1,  2011.  According  to  the  2010  amendment,  the  benefit  tracks  under  the  Investment  Law  were
modified  and  a uniform  tax  rate will  apply  to companies eligible  for the "Preferred Enterprise"  status. In  order  to  be  eligible for  preferred  enterprise status,  a
company must meet minimum requirements to establish that it contributes to the country's economic growth and is a competitive factor for the gross domestic
product. Companies may elect to irrevocably implement the amendment (while waiving benefits provided under the Investment Law as currently in effect) and
subsequently would be subject to the amended tax rates as follows: in peripheral regions (Development Area A) the reduced tax rate is 10% in 2011 and 2012, 7%
in 2013 and 9% in 2014. In other regions the tax rate is 15% in 2011 and 2012, 12.5% in 2013 and 16% in 2014. Preferred Enterprises in peripheral regions will
be eligible for Investment Center grants, as well as the applicable reduced tax rates.

Dividends paid out of income attributed to a Preferred Enterprise during 2014 and thereafter are generally subject to withholding tax at the rate of 20% or such
lower rate as may be provided in an applicable tax treaty. However, if such dividends are paid to an Israeli company, no tax is required to be withheld (however,
if afterward distributed to individuals or non-Israeli company a withholding of 20% or such lower rate as may be provided in an applicable tax treaty, will apply).

Tax Benefits and Grants for Research and Development

Israeli tax law allows, under certain conditions, a tax deduction in the year incurred for expenditures (including capital expenditures) in scientific research and
development  projects  if  the  expenditures  are  approved  by  the  relevant  Israeli  government  ministry  (determined  by  the  field  of  research)  and  the  research  and
development is for the promotion of the enterprise and is carried out by or on behalf of the company seeking such deduction. Expenditures not so approved are
deductible over a three-year period. However, expenditures made out of proceeds made available to us through government grants are not deductible according to
Israeli law.

78

Law for the Encouragement of Industry (Taxes), 1969

Under  the  Law  for  the  Encouragement  of  Industry  (Taxes),  1969,  the  following  preferred  corporate  tax  benefits,  among  others,  are  available  to  “Industrial 
Corporations,” as such term is defined in such Law, which may be applicable to us:

(cid:120) Amortization of purchases of know-how and patents over eight years for tax purposes.

(cid:120) Amortization of expenses incurred in connection with certain public security issuances over a three-year period.

(cid:120)

Tax exemption for shareholders who held shares before a public offering on capital gains derived from the sale (as defined by law) of securities, if
realized after more than five years from the public issuance of additional securities of the company. (As of November 1994, this exemption was
repealed,  however,  it  applies  to  our  shareholders  pursuant  to  a  grand-fathering  clause.)  This  exemption  applies  only  to  gains  that  accrued  before
January 1, 2003.

(cid:120) Accelerated depreciation rates on equipment and buildings.

Israeli Capital Gains Tax

Israeli Resident Shareholders

In  2011,  an  individual  was  subject  to  a  20%  tax  rate  on  real  capital  gains  derived  from  the  sale  of  shares,  as  long  as  the  individual  is  not  a  “substantial 
shareholder” (generally a shareholder with 10% or more of the right to profits, right to nominate a director and voting rights) in the company issuing the shares. A
substantial shareholder will be subject to tax at a rate of 25% in respect of real capital gains derived from the sale of shares issued by the company in which he or
she is a substantial shareholder. The determination of whether the individual is a substantial shareholder will be made on the date that the securities are sold. In
addition,  the  individual  will  be  deemed  to  be  a  substantial  shareholder  if  at  any  time  during  the  12  months  preceding  this  date  he  had  been  a  substantial
shareholder.

Pursuant to the Tax Burden Law, the capital gain tax rate applicable to individuals was raised from 20% to 25% from 2012 and onwards (or from 25% to 30% if
the selling individual shareholder is a substantial shareholder at any time during the 12-month period preceding the sale.

Non-Israeli Resident Shareholders

Israeli capital gains tax is imposed on the disposal of capital assets by a non-Israeli resident if such assets are either (i) located in Israel; (ii) shares or rights to
shares in an Israeli resident company; or (iii) represent, directly or indirectly, rights to assets located in Israel, unless a tax treaty between Israel and the seller’s 
country of residence provides otherwise. As mentioned above, Real Capital Gain derived by a company is generally subject to tax at the corporate tax rate (25%
in  2012  and  2013,  26.5%  in  2013)  or,  if  derived  by  an  individual,  at  the  rate  of  25%,  or  30%  in  case  of  "substantial  shareholder".  Individual  and  corporate
shareholders dealing in securities in Israel are taxed at the tax rates applicable to business income (a corporate tax rate for a corporation and a marginal tax rate of
up to 50% for an individual in 2014).

Shareholders who are non-Israeli residents (individuals and corporations) are generally exempt from Israeli capital gains tax on any gains derived from the sale,
exchange or disposition of shares publicly traded on the TASE or on a recognized stock exchange outside of Israel, provided, among other things, that (i) such
gains are not generated through a permanent establishment that the non-Israeli resident maintains in Israel, (ii) the shares were purchased after being listed on a
recognized stock exchange outside of Israel, and (iii) such shareholders are not subject to the Inflationary Adjustments Law. However, non-Israeli corporations 
will not be entitled to the foregoing exemptions if an Israeli resident (a) has a controlling interest of 25% or more in such non-Israeli corporation, or (b) is the 
beneficiary  of  or  is  entitled  to  25%  or  more  of  the  revenues  or  profits  of  such  non-Israeli  corporation,  whether  directly  or  indirectly.  Such  exemption  is  not
applicable to a person whose gains from selling or otherwise disposing of the shares are deemed to be business income.

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In addition, a sale of securities may be exempt from Israeli capital gains tax under the provisions of an applicable tax treaty. For example, under the U.S.-Israel 
Tax Treaty, which we refer to as the U.S.-Israel Treaty, the sale, exchange or disposition of shares of an Israeli company by a shareholder who is a U.S. resident
(for purposes of the U.S.-Israel Treaty) holding the shares as a capital asset is exempt from Israeli capital gains tax unless either (i) the shareholder holds, directly
or indirectly, shares representing 10% or more of the voting capital during any part of the 12-month period preceding such sale, exchange or disposition; (ii) the 
shareholder, being an individual, has been present in Israel for a period or periods of 183 days or more in the aggregate during the applicable taxable year; or (iii)
the capital gains arising from such sale are attributable to a permanent establishment of the shareholder which is maintained in Israel. In either case, the sale,
exchange or disposition of such shares would be subject to Israeli tax, to the extent applicable; however, under the U.S.-Israel Treaty, a U.S. resident would be
permitted  to  claim  a  credit  for  the  Israeli  tax  against  the  U.S.  federal  income  tax  imposed  with  respect  to  the  sale,  exchange  or  disposition,  subject  to  the
limitations in U.S. laws applicable to foreign tax credits. The U.S.-Israel Treaty does not provide such credit against any U.S. state or local taxes.

Payors of consideration for traded securities, like our ordinary shares, including the purchaser, the Israeli stockbroker effectuating the transaction, or the financial
institution through which the sold securities are held, are required, subject to any of the foregoing exemptions and the demonstration of a shareholder regarding
his, her or its foreign residency, to withhold tax upon the sale of publicly traded securities from the consideration or from the Real Capital Gain derived from such
sale, as applicable, at the rate of 26.5%.

Israeli Tax on Dividend Income

Israeli Resident Shareholders

Israeli  residents  who  are  individuals  are  generally  subject  to  Israeli  income  tax  for  dividends  paid  on  our  ordinary  shares  (other  than  bonus  shares  or  share
dividends) at 20%, or 25% if the recipient of such dividend is a substantial shareholder at the time of distribution or at any time during the preceding 12-month 
period. Pursuant to the Tax Burden Law, as of 2013 such tax rate is 25%, or 30% if the dividend recipient is a substantial shareholder at the time of distribution or
at  any  time  during  the  preceding  12-month  period.  However,  dividends  distributed  from  taxable  income  accrued  during  the  period  of  benefit  of  an  Approved
Enterprise,  Benefited  Enterprise  or  Preferred  Enterprise  are  subject  to  withholding  tax  at  the  rate  of  15%,  if  the  dividend  is  distributed  during  the  tax  benefit
period under the Investment Law or within 12 years after that period. An average rate will be set in case the dividend is distributed from mixed types of income
(regular and Approved/ Benefited/ Preferred income).

Non-Israeli Resident Shareholders

Non-Israeli residents (whether  individuals or  corporations) are generally  subject  to  Israeli  withholding tax on  the receipt  of dividends paid for publicly traded
shares, like our ordinary shares, at the rate of 25%, so long as the shares are registered with a Nominee Company) or 15% if the dividend is distributed from
income attributed to our Approved Enterprises, unless a reduced rate is provided under an applicable tax treaty. For example, under the U.S.-Israel Treaty, the 
maximum rate of tax withheld in Israel on dividends paid to a holder of our ordinary shares who is a U.S. resident (for purposes of the U.S.-Israel Treaty) is 25%. 
However, generally, the maximum rate of withholding tax on dividends that are paid to a U.S. corporation holding at least 10% or more of our outstanding voting
capital from the start of the tax year preceding the distribution of the dividend through (and including) the distribution of the dividend, is 12.5%, provided that no
more  than  25%  of  our  gross  income  for  such  preceding  year  consists  of  certain  types  of  dividends  and  interest.  Notwithstanding  the  foregoing,  dividends
distributed from income attributed to an Approved Enterprise, a Benefited Enterprise or a Preferred Enterprise are subject to a withholding tax rate of 15% for
such a U.S. corporation shareholder, provided that the condition related to our gross income for the previous year (as set forth in the previous sentence) is met. If 
the dividend is attributable partly to income derived from an Approved Enterprise, a Benefitted Enterprise or a Preferred Enterprise, and partly to other sources of
income,  the  withholding  rate  will  be  a  blended  rate  reflecting  the  relative  portions  of  the  two  types  of  income.  U.S.  residents  who  are  subject  to  Israeli
withholding tax on a dividend may be entitled to a credit or deduction for U.S. federal income tax purposes in the amount of the taxes withheld, subject to detailed
rules contained in United States tax legislation.

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A non-Israeli resident who receives dividends from which tax was withheld is generally exempt from the obligation to file tax returns in Israel with respect to
such income, provided that (i) such income was not generated from business conducted in Israel by the taxpayer, and (ii) the taxpayer has no other taxable sources
of income in Israel with respect to which a tax return is required to be filed.

Payors of dividend on our ordinary shares, including the Israeli stockbroker effectuating the transaction, or the financial institution through which the securities
are held, are required, subject to any of the foregoing exemptions and the demonstration of a shareholder regarding his, her or its foreign residency, to withhold
tax upon the distribution of dividend at the rate of 25% -26.5% (for corporations and individuals).

UNITED STATES FEDERAL INCOME TAXATION

The  following  is  a  description  of  the  material  U.S.  federal  income  tax  consequences  of  the  acquisition,  ownership  and  disposition  of  ordinary  shares.  This
description addresses only the U.S. federal income tax considerations that are relevant to U.S. Holders (as defined below) who hold ordinary shares as capital
assets. This summary is based on the U.S. Internal Revenue Code of 1986, as amended, (the “Code”), Treasury regulations promulgated thereunder, judicial and 
administrative interpretations thereof, and the U.S.-Israel Tax Treaty (the “Treaty”), all as in effect on the date hereof and all of which are subject to change either
prospectively or retroactively. There can be no assurance that the U.S. Internal Revenue Service (the “IRS”) will not take a different position concerning the tax 
consequences  of  the  acquisition,  ownership  and  disposition  of  our  ordinary  shares  or  that  such  a  position  would  not  be  sustained.  This  description  does  not
address  all  tax  considerations  that  may  be  relevant  with  respect  to  an  investment  in  ordinary  shares.  This  description  does  not  account  for  the  specific
circumstances of any particular investor, such as:

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

(cid:120)

broker-dealers,

financial institutions,

certain insurance companies,

investors liable for alternative minimum tax,

real estate investment trusts, regulated investment companies,

dealers or traders in securities, commodities or currencies

tax-exempt organizations,

non-resident aliens of the United States or taxpayers whose functional currency is not the U.S. dollar,

persons who hold the ordinary shares through partnerships or other pass-through entities,

persons who acquire their ordinary shares through the exercise or cancellation of employee stock options or otherwise as compensation for services,

investors that actually or constructively own 10% or more of our voting shares, and

investors holding ordinary shares as part of a straddle, or appreciated financial position or a hedging or conversion transaction.

81

If a partnership or an entity treated as a partnership for U.S. federal income tax purposes owns ordinary shares, the U.S. federal income tax treatment of a partner
in such a partnership will generally depend upon the status of the partner and the activities of the partnership. A partnership that owns ordinary shares and the
partners in such partnership should consult their tax advisors about the U.S. federal income tax consequences of holding and disposing of ordinary shares.

This summary does not address the effect of any U.S. federal taxation other than U.S. federal income taxation. In addition, this summary does not include any
discussion of state, local or foreign taxation.

You are urged to consult your tax advisors regarding the foreign and U.S. federal, state and local tax consequences of an investment in ordinary shares.

For purposes of this summary, a U.S. Holder is::

(cid:120)

(cid:120)

(cid:120)

(cid:120)

an individual who is a citizen or, for U.S. federal income tax purposes, a resident of the United States;

a  corporation  or  other  entity  taxable  as  a  corporation  created  or  organized  in  or  under  the  laws  of  the  United  States  or  any  political  subdivision
thereof;

an estate the income of which is subject to U.S. federal income taxation regardless of its source; or

a trust if such trust has validly elected to be treated as a U.S. person for U.S. federal income tax purposes or if (1) a court within the United States is
able  to  exercise  primary  supervision  over  its  administration  and  (2)  one  or  more  U.S. persons  have  the  authority  to  control  all  of  the  substantial
decisions of such trust.

Unless otherwise indicated, this discussion assumes that the Company is not, and will not become, a “passive foreign investment company” (a “PFIC”) for U.S. 
federal income tax purposes. See “—Passive Foreign Investment Companies” below.

Taxation of Distributions

Subject to the discussion, below, under the heading “—Passive Foreign Investment Companies,” the gross amount of any distributions received with respect to 
ordinary shares, including the amount of any Israeli taxes withheld therefrom, will constitute dividends for U.S. federal income tax purposes to the extent of our
current and accumulated earnings and profits, as determined for U.S. federal income tax purposes. We do not expect to maintain calculations of our earnings and
profits under U.S. federal income tax principles. Therefore, if you are a U.S. Holder you should expect that the entire amount of any distribution generally will be
reported as dividend income to you. Dividends are included in gross income as ordinary income. Distributions in excess of our current and accumulated earnings
and profits will be treated as a non-taxable return of capital to the extent of your tax basis in the ordinary shares and any amount in excess of your tax basis will
be treated as gain from the sale of ordinary shares. See “—Disposition of Ordinary Shares” below for a discussion of the taxation of capital gains. Our dividends
will not qualify for the dividends-received deduction generally available to corporations under section 243 of the Code.

Dividends that we pay in NIS, including the amount of any Israeli taxes withheld therefrom, will be included in your income in a U.S. dollar amount calculated by
reference to the exchange rate in effect on the day such dividends are received. A U.S. Holder who receives payment in NIS and converts NIS into U.S. dollars at
an exchange rate other than the rate in effect on such day may have a foreign currency exchange gain or loss that would be treated as ordinary income or loss.
U.S. Holders should consult their own tax advisors concerning the U.S. tax consequences of acquiring, holding and disposing of NIS.

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Subject to complex limitations, any Israeli withholding tax imposed on dividends paid with respect to ordinary shares will be a foreign income tax eligible for
credit against a U.S. Holder's U.S. federal income tax liability (or, alternatively, for deduction against income in determining such tax liability). The limitations
set out in the Code include computational rules under which foreign tax credits allowable with respect to specific classes of income cannot exceed the U.S. federal
income taxes otherwise payable with respect to each such class of income. Dividends generally will be treated as foreign-source passive category income or, in
the case of certain U.S. Holders, general category income for U.S. foreign tax credit purposes. Further, there are special rules for computing the foreign tax credit
limitation of a taxpayer who receives dividends subject to a reduced tax rate, see discussion below. A U.S. Holder may be denied a foreign tax credit with respect
to Israeli income tax withheld from dividends received on the ordinary shares if such U.S. Holder fails to satisfy certain minimum holding period requirements or
to the extent such holder’s position in our ordinary shares is hedged. The rules relating to the determination of the foreign tax credit are complex, and you should
consult with your personal tax advisors to determine whether and to what extent you would be entitled to this credit.

Subject to certain limitations, including the Medicare tax, discussed below, “qualified dividend income” received by a non-corporate U.S. Holder will be subject
to  tax  at  the  lower  long-term  capital  gain  rates.  Distributions  taxable  as  dividends  paid  on  the  ordinary  shares  should  qualify  for  a  reduced  rate  provided  that
either: (i) we are entitled to benefits under the Treaty or (ii) the ordinary shares are readily tradable on an established securities market in the United States and
certain other requirements are met. We believe that we are entitled to benefits under the Treaty[ and that the ordinary shares currently are readily tradable on an
established securities market in the United States. However, no assurance can be given that the ordinary shares will remain readily tradable]. The rate reduction
does not apply unless certain holding period requirements are satisfied. Nor does it apply to dividends received from a passive foreign investment company, see
discussion  below,  or  in  respect  of  certain  hedged  positions  or  in  certain  other  situations.  The  legislation  enacting  the  reduced  tax  rate  on  qualified  dividend
income contains special rules for computing the foreign tax credit limitation of a taxpayer who receives dividends subject to the reduced tax rate. U.S. Holders of
ordinary shares should consult their own tax advisors regarding the effect of these rules in their particular circumstances.

Disposition of Ordinary Shares

If  you  sell  or  otherwise  dispose  of  ordinary  shares,  you  will  generally  recognize  gain  or  loss  for  U.S.  federal  income  tax  purposes  in  an  amount  equal  to  the
difference between the amount realized on the sale or other disposition and the adjusted tax basis in ordinary shares. Such gain or loss will generally be capital
gain or loss and will be long-term capital gain or loss if you have held the ordinary shares for more than one year at the time of the sale or other disposition. Long-
term capital gain realized by a non-corporate U.S. Holder is generally eligible for a preferential tax rate. In general, any gain that you recognize on the sale or
other disposition of ordinary shares will be U.S.-source for purposes of the foreign tax credit limitation; losses will generally be allocated against U.S. source
income. Deduction of capital losses is subject to certain limitations under the Code.

In the case of a cash basis U.S. Holder who receives NIS in connection with the sale or disposition of ordinary shares, the amount realized will be based on the
U.S. dollar value of the NIS received with respect to the ordinary shares as determined on the settlement date of such exchange. A U.S. Holder who receives
payment in NIS and converts NIS into U.S. dollars at a conversion rate other than the rate in effect on the settlement date may have a foreign currency exchange
gain or loss that would be treated as ordinary income or loss.

An accrual basis U.S. Holder may elect the same treatment required of cash basis taxpayers with respect to a sale or disposition of ordinary shares that are traded
on an established securities market, provided that the election is applied consistently from year to year. Such election may not be changed without the consent of
the IRS. In the event that an accrual basis U.S. Holder does not elect to be treated as a cash basis taxpayer (pursuant to the Treasury regulations applicable to
foreign currency transactions), such U.S. Holder may have a foreign currency gain or loss for U.S. federal income tax purposes because of differences between
the U.S. dollar value of the currency received prevailing on the trade date and the settlement date. Any such currency gain or loss would be treated as ordinary
income or loss and would be in addition to the gain or loss, if any, recognized by such U.S. Holder on the sale or disposition of such ordinary shares.

Any foreign currency gain or loss a U.S. Holder realizes will be U.S. source ordinary income or loss.

83

Passive Foreign Investment Companies

If we were to be classified as a “passive foreign investment company” (a “PFIC”) in any taxable year, a U.S. Holder would be subject to special rules generally
intended to reduce or eliminate any benefits from the deferral of U.S. federal income tax that a U.S. Holder could otherwise derive from investing in a non-U.S. 
company that does not distribute all of its earnings on a current basis. We will be considered a PFIC, for any taxable year in which either (i) 75% or more of our
gross income is passive income, or (ii) at least 50% of the average value of all of our assets for the taxable year produce or are held for the production of passive
income. For this purpose, passive income generally includes dividends, interest, royalties, rents, annuities and the excess of gains over losses from the disposition
of assets that produce passive income. Included in the calculation of our income and assets is our proportionate share of the income and assets of each corporation
in which we own, directly or indirectly, at least a 25% interest, by value. If we were determined to be a PFIC for U.S. federal income tax purposes, unfavorable
and  highly complex rules would  apply to U.S. Holders  owning ordinary  shares directly  or indirectly.  Accordingly, you  are urged to consult  your tax  advisors
regarding the application of such rules.

Based  on  our  current  and  projected  income,  assets  and  activities,  we  believe  that  we  are  not  currently  a  PFIC,  nor  do  we  expect  to  become  a  PFIC  in  the
foreseeable  future.  However,  because  the  determination  of  whether  we  are  a  PFIC  is  based  upon  the  composition  of  our  income  and  assets,  and  our  market
capitalization, from time to time, there can be no assurance that we will not become a PFIC for any future taxable year.

If we are treated as a PFIC for any taxable year, dividends would not qualify for the reduced tax rate on qualified dividend income, discussed above, and, unless
you elect either to treat your investment in ordinary shares as an investment in a "qualified electing fund", by making a “QEF election” or to "mark-to-market" 
your ordinary shares, as described below,

(cid:120)

(cid:120)

(cid:120)

you would be required to allocate income recognized upon receiving certain dividends or gain recognized upon the disposition of ordinary shares
ratably over your holding period for such ordinary shares,

the amount allocated to the current taxable year, and to any taxable years in your holding period prior to the first day in which we were treated as a
PFIC will be treated as ordinary income, and

the amount allocated to each prior taxable year during which we are considered a PFIC would be subject to tax at the highest individual or corporate
tax rate, as the case may be, and an interest charge would be imposed with respect to the resulting tax liability allocated to each such year.

If we were a PFIC for any taxable year during which a U.S. Holder holds our ordinary shares and any of our non-U.S. subsidiaries is also a PFIC, such U.S.
Holder would generally be treated as owning a proportionate amount (by value) of the underlying shares of each such non-U.S. subsidiary classified as a PFIC for
purposes  of  the  application  of  these  rules.  U.S.  Holders  are  urged  to  consult  their  tax  advisers  regarding  the  application  of  the  PFIC  rules  to  any  of  our
subsidiaries.

If you make either a timely QEF election or a timely mark-to-market election in respect of your ordinary shares, you would not be subject to the rules described
above. You would not be eligible to make a QEF election unless we comply with certain information reporting requirements. We do not intend to provide the
information necessary for U.S. Holders to make QEF elections.

84

If we are a PFIC for any taxable year during which a U.S. Holder holds our ordinary shares, then in lieu of being subject to the tax and interest charge rules
discussed above, a U.S. Holder may make an election to include gain on the stock of a PFIC as ordinary income under a mark-to-market method, provided that 
such  ordinary  shares  are  “regularly  traded” on  a  “qualified  exchange.” In  general,  our  ordinary  shares  will  be  treated  such  as  “regularly  traded” for  a  given 
calendar year if more than a de minimis quantity of our ordinary shares are traded on a qualified exchange on at least 15 days during each calendar quarter of such
calendar year. Our ordinary shares are listed on the Tel Aviv Stock Exchange. However, no assurance can be given that our ordinary shares will be regularly
traded on a “qualified exchange” for purposes of the mark-to-market election. In addition, because a mark-to-market election cannot be made for any lower-tier 
PFICs that we may own, a U.S. Holder may continue to be subject to the PFIC rules with respect to such holder’s indirect interest in any investments held by us 
that are treated as an equity interest in a PFIC for U.S. federal income tax purposes.

If you elect to “mark to market” your ordinary shares, you will generally include in income, in each year in which we are considered a PFIC, any excess of the
fair market value of the ordinary shares at the close of each tax year over your adjusted basis in the ordinary shares. If the fair market value of the ordinary shares
had depreciated below your adjusted basis at the close of the tax year, you may generally deduct the excess of the adjusted basis of the ordinary shares over its
fair market value at that time. However, such deductions would generally be limited to the net mark-to-market gains, if any, that you included in income with 
respect to such ordinary shares in prior years. A U.S. Holder’s adjusted tax basis in the ordinary shares will be increased by the amount of any income inclusion
and decreased by the amount of any deductions under the mark-to-market rules. Income recognized and deductions allowed under the mark-to-market provisions, 
as well as any gain or loss on the disposition of ordinary shares with respect to which the mark-to-market election is made in a year in which we are classified as a 
PFIC, is treated as ordinary income or loss (except that loss on a disposition of ordinary shares is treated as capital loss to the extent the loss exceeds the net mark-
to-market gains, if any, that you included in income with respect to such ordinary shares in prior years). Gain or loss from the disposition of ordinary shares (as to
which a mark-to-market election was made) in a year in which we are no longer classified as a PFIC, will be capital gain or loss.

If a U.S. Holder owns our ordinary shares during any year in which we are a PFIC, the U.S. Holder generally must file an IRS Form 8621 with respect to the
company, generally with the U.S. Holder’s federal income tax return for that year. U.S. Holders should consult their tax advisers regarding whether we are a PFIC
and the potential application of the PFIC rules.

Additional Tax on Investment Income

In addition to the income taxes described above, U.S. Holders that are individuals, estates or trusts and whose income exceeds certain thresholds will be subject to
a 3.8% Medicare contribution tax on net investment income, which includes dividends and capital gains.

Backup Withholding and Information Reporting

Payments in respect of ordinary shares may be subject to information reporting to the IRS and to U.S. backup withholding tax at the rate (currently) of 28%.
Backup withholding will not apply, however, if you (i) are a corporation or fall within certain exempt categories, and demonstrate the fact when so required, or
(ii) furnish a correct taxpayer identification number and make any other required certification.

Backup withholding is not an additional tax. Amounts withheld under the backup withholding rules may be credited against a U.S. Holder’s U.S. tax liability A 
U.S. Holder may obtain a refund of any excess amounts withheld under the backup withholding rules by filing the appropriate claim for refund with the IRS.

U.S.  individuals  that  hold  certain  specified  foreign  financial  assets,  including  stock  in  a  foreign  corporation,  with  values  in  excess  of  certain  thresholds  are
required to file with their U.S. federal income tax return Form 8938, on which information about the assets, including their value, is provided. Taxpayers who fail
to file the form when required are subject to penalties. An exemption from reporting applies to foreign assets held through a U.S. financial institution, generally
including a non-U.S. branch or subsidiary of a U.S. institution or a U.S. branch of a non-U.S. institution. Investors are encouraged to consult with their own tax
advisors regarding the possible application of this disclosure requirement to their investment in ordinary shares.

85

The above description is not intended to constitute a complete analysis of all tax consequences relating to acquisition, ownership and disposition of our
ordinary shares. You should consult your tax advisor concerning the tax consequences of your particular situation.

F.

DIVIDENDS AND PAYING AGENTS

Not applicable.

G.

STATEMENT BY EXPERTS

Not applicable.

H.

DOCUMENTS ON DISPLAY

We are subject to certain of the reporting requirements of the Exchange Act, as applicable to “foreign private issuers” as defined in Rule 3b-4 under the Exchange 
Act. As a foreign private issuer, we are exempt from certain provisions of the Exchange Act. Accordingly, our proxy solicitations are not subject to the disclosure
and procedural requirements of Regulation 14A under the Exchange Act, and transactions in our equity securities by our officers and directors are exempt from
reporting and the “short-swing” profit recovery provisions contained in Section 16 of the Exchange Act. In addition, we are not required under the Exchange Act
to file periodic reports and financial statements as frequently or as promptly as U.S. companies whose securities are registered under the Exchange Act. However,
we  file  with  the  SEC  an  annual  report  on  Form  20-F  containing  financial  statements  audited  by  an  independent  accounting  firm.  We  also  submit  to  the  SEC
reports on Form 6-K containing (among other things) press releases and unaudited financial information. We post our annual report on Form 20-F on our website 
(www.magicsoftware.com) promptly following the filing of our annual report with the SEC. The information on our website is not incorporated by reference into
this annual report.

This  annual  report  and  the  exhibits  thereto  and  any  other  document  we  file  pursuant  to  the  Exchange  Act  may  be  inspected  without  charge  and  copied  at
prescribed rates at the SEC public reference room at 100 F Street, N.E., Room 1580, Washington, D.C. 20549. You may obtain information on the operation of
the SEC’s public reference room in Washington, D.C. by calling the SEC at 1-800-SEC-0330. The Exchange Act file number for our SEC filings is 000-19415.

The  SEC  maintains  a  website  at  www.sec.gov  that  contains  reports,  proxy  and  information  statements,  and  other  information  regarding  registrants  that  make
electronic filings with the SEC using its EDGAR (Electronic Data Gathering, Analysis, and Retrieval) system.

The documents concerning our company that are referred to in this annual report may also be inspected at our offices located at 5 Haplada Street, Or Yehuda
60218, Israel.

I.

SUBSIDIARY INFORMATION

Not applicable.

ITEM 11. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKS

We  are  exposed  to  a  variety  of  market  risks,  primarily  changes  in  interest  rates  affecting  our  investments  in  marketable  securities  and  foreign  currency
fluctuations.

86

Cash Investments, Marketable Securities and Interest Rate Risk

Our cash investment policy seeks to preserve principal and maintain adequate liquidity while maximizing the income we receive from our investments without
significantly  increasing  the  risk  of  loss.  To  minimize  investment  risk,  we  maintain  a  diversified  portfolio  across  various  maturities,  types  of  investments  and
issuers, which may include, from time to time, money market funds, U.S. government bonds, state debt, bank deposits and certificates of deposit, and investment
grade  corporate  debt.  Our  cash  management  policy  does  not  allow  us  to  purchase  or  hold  commodity  instruments,  structures  or  “sub-prime” related  holdings 
(such as auction rate securities and collateralized debt obligation) or other financial instruments for trading purposes.

As  of  December  31,  2013,  we  had  approximately  $35.1  million  in  cash  and  cash  equivalents  and  short  term  bank  deposits  and  $0.9  million  in  marketable
securities.  Our  marketable  securities  include  investments  in  commercial  and  government  bonds  and  foreign  banks  and  equity  funds.  As  of  such  date  our
marketable securities portfolio was composed primarily of governmental and commercial bonds bearing average annual interest rates of approximately 5.0%, with
average  maturities  of  6  months  and  maximum  maturities  of  10  months.  The  performance  of  the  capital  markets  affects  the  values  of  the  funds  we  hold  in
marketable securities. These assets are subject to market fluctuations, such as the declines experienced in 2008 and the first six months of 2009. In such case, the
fair value of our investments may decline. As of December 31, 2013, net unrealized gain in our marketable securities portfolio totaled $139,000. We periodically
monitor our investments for adverse material holdings related to the underlying financial solvency of the issuers of the marketable securities in our portfolio.

Our exposure to market risk for changes in interest rates relates primarily to our investment in marketable securities. Investments in both fixed rate and floating
rate interest bearing securities carry a degree of interest rate risk. The fair market value of fixed rate securities may be adversely impacted due to a rise in interest
rates, while floating rate securities may produce less income than predicted if interest rates fall. Due in part to these factors, our future financial results may be
negatively affected in the event that interest rates fluctuate.

Foreign Currency Exchange Risk

Our financial results may be negatively impacted by foreign currency fluctuations. Our foreign operations are transacted through a global network of subsidiaries.
These sales and related expenses are generally denominated in currencies other than the U.S. dollar, except in Israel, where our sales are denominated in U.S.
dollars and our expenses are denominated in NIS. Because our financial results are reported in U.S. dollars, our results of operations may be adversely impacted
by fluctuations in the rates of exchange between the U.S. dollar and such other currencies as the financial results of our foreign subsidiaries are converted into
U.S. dollars in consolidation. Our earnings are predominantly affected by fluctuations in the value of the U.S. dollar as compared to the NIS, as well as the value
of the U.S. dollar as compared to the euro, Japanese Yen and British Pound.

We measure and record non-monetary accounts in our balance sheet (principally fixed assets and prepaid expenses) in U.S. dollars. For this measurement, we use
the U.S. dollar value in effect at the date that the asset or liability was initially recorded in our balance sheet (the date of the transaction).

In  2013,  we  entered  into  forward  and  option  contracts  to  hedge  the  fair  value  of  assets  and  liabilities  denominated  in  NIS,  euro  and  Japanese  Yen.  As  of
December 31, 2013, we had outstanding forward contracts that did not meet the requirement for hedge accounting in the amount of $0.1 million. These contracts
were for a period of up to 12 months. The net gains recognized in “financial income, net” during 2013 were $0.1 million.

During 2013, we entered into forward and option contracts to hedge against the risk of overall changes in future cash flow from mainly payments of payroll and
related  expenses  denominated  in  NIS.  These  contracts  met  the  requirement  for  cash  flow  hedge  accounting  and  no  losses  were  recognized  when  the  related
expenses were incurred and classified in operating expenses during 2013. As of December 31, 2013, we had no outstanding forward and option contracts that met
the requirement for hedge accounting.

87

Our operating expenses may be affected by fluctuations in the value of the U.S. dollar as it relates to foreign currencies, with NIS, euro and Japanese Yen having
the greatest potential impact. In managing our foreign exchange risk we periodically enter into foreign exchange hedging contracts. Our goal is to mitigate the
potential exposure with these contracts. By way of example, an increase of 10% in the value of the NIS relative to the U.S. dollar in 2013 would have resulted in a
decrease in the U.S. dollar reporting value of our operating income of $2.0 million for that year, while a decrease of 10% in the value of the NIS relative to the
U.S. dollar in 2013 would have resulted in an increase in the U.S. dollar reporting value of our operating income of $1.7 million for the year. An increase of 10%
in the value of the euro, the Japanese yen and the British Pound relative to the U.S. dollar in 2013 would have resulted in an increase in the U.S. dollar reporting
value  of  our  operating  income  of  $1.0  million,  $0.4  million  and  $0.2  million,  respectively,  for  that  year,  while  a  decrease  of  10%  in  the  value  of  the  euro,
Japanese Yen and British Pound relative to the U.S. dollar in 2013 would have resulted in a decrease in the U.S. dollar reporting value of our operating income of
$1.0 million, $0.4 million and $0.2 million, respectively, for that year.

Equity Price Risk

As of December 31, 2013, we had $0.9 million of trading securities that are classified as available for sale. Those securities have exposure to equity price risk.
The estimated potential loss in fair value resulting from a hypothetical 10% decrease in prices quoted on stock exchanges is approximately $90,000.

ITEM 12. DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

Not applicable.

ITEM 13. DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

PART II

None.

ITEM 14. MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS

Not applicable.

ITEM 15. CONTROLS AND PROCEDURES

Disclosure Controls and Procedures

We maintain  disclosure  controls and  procedures that  are  designed  to  ensure  that information required  to  be  disclosed  in its Exchange Act  reports  is recorded,
processed, summarized and reported within the time periods specified in the SEC’s rules and forms, and that such information is accumulated and communicated
to our chief executive officer and chief financial officer to allow timely decisions regarding required disclosure. Our management, including our chief executive
officer and chief financial officer, conducted an evaluation of our disclosure controls and procedures, as defined under Exchange Act Rule 13a-15(e), as of the 
end of the period covered by this Annual Report on Form 20-F. Based upon that evaluation, our chief executive officer and chief financial officer concluded that,
as of such date, our disclosure controls and procedures were effective.

88

Management's Annual Report on Internal Control over Financial Reporting

Our management is responsible for establishing and maintaining adequate internal control over our financial reporting. Internal control over financial reporting is
defined  in  Rule  13a-15(f)  or  15d-15(f)  promulgated  under  the  Securities  Exchange  Act  of  1934  as  a  process  designed  by,  or  under  the  supervision  of,  the
company’s principal  executive  and  principal financial officers  and  effected by  the company’s  board  of directors, management  and  other personnel, to provide 
reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally
accepted accounting principles and includes those policies and procedures that:

(cid:120)

(cid:120)

(cid:120)

pertain  to  the  maintenance  of  records  that  in  reasonable  detail  accurately  and  fairly  reflect  the  transaction  and  dispositions  of  the  assets  of  the
company;

provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally
accepted  accounting  principles,  and  that  receipts  and  expenditures  of  the  company  are  being  made  only  in  accordance  with  authorizations  of
management and directors of the company; and

provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the company’s assets that 
could have an effect on the financial statements.

Our management assessed the effectiveness of our internal control over financial reporting as of December 31, 2013. In making this assessment, our management
used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) in Internal Control-Integrated Framework. Based 
on that assessment, our management concluded that as of December 31, 2013, our internal control over financial reporting was effective.

The effectiveness of management’s internal control over financial reporting as of December 31, 2013 has been audited by our company’s independent registered 
public accountants, Kost Forer Gabbay & Kasierer, a member of Ernst & Young Global, and their report as of February 21, 2014, herein expresses an unqualified 
opinion on our company’s internal control over financial reporting.

Attestation Report of the Registered Public Accounting Firm 

Our independent registered public accounting firm has issued an audit report on the effectiveness of our internal control over financial reporting. This report is
included under Item 18.

Changes in Internal Control over Financial Reporting

There was no change in our internal controls over financial reporting that occurred during the period covered by this annual report that has materially affected, or
is reasonably likely to materially affect, our internal controls over financial reporting.

ITEM 16. RESERVED

ITEM 16A. AUDIT COMMITTEE FINANCIAL EXPERT

Our board of directors has determined that Mr. Elan Penn, an external director within the meaning of the Israeli Companies Law, meets the definition of an audit 
committee financial expert, as defined by rules of the SEC. For a brief listing of Mr. Penn’s relevant experience, see Item 6A. “Directors, Senior Management and 
Employees — Directors and Senior Management.”

ITEM 16B. CODE OF ETHICS

We have adopted a code of ethics that applies to any chief executive officer and all senior financial officers of our company, including the chief financial officer, 
chief accounting officer or controller, or persons performing similar functions. The code of ethics is publicly available on our website at 
www.magicsoftware.com. Written copies are available upon request. If we make any substantive amendment to the code of ethics or grant any waivers, including 
any implicit waiver, from a provision of the codes of ethics, we will disclose the nature of such amendment or waiver on our website.

89

ITEM 16C. PRINCIPAL ACCOUNTANT FEES AND SERVICES

Independent Registered Public Accounting Firm Fees

The following table sets forth, for each of the years indicated, the fees billed by our principal independent registered public accounting firm. All of such fees were 
pre-approved by our Audit Committee.

Services Rendered

Audit (1) 
Audit-related(2) 
Tax (3) 
Total 

Year Ended December 31,

2012
210,000 $
8,000 $
77,700 $
295,700 $

2013
238,000
24,000
47,000
309,000

$
$
$
$

(1) Audit fees relate to audit services provided for each of the years shown in the table, including fees associated with the annual audit, the filing of a 

shelf registration statement, various accounting issues and audit services provided in connection with other statutory or regulatory filings.

(2) Audit-related fees in 2012 and 2013 relate to due diligence services performed in connection with our acquisitions.
(3) Tax fees relate to services performed by the tax division for tax compliance, planning and advice.

Pre-Approval Policies and Procedures

Our Audit Committee has adopted a policy and procedures for the pre-approval of audit and non-audit services rendered by our independent registered public 
accountants, Kost Forer Gabbay & Kasierer, a member of Ernst & Young Global. Pre-approval of an audit or non-audit service may be given as a general pre-
approval, as part of the audit committee’s approval of the scope of the engagement of our independent auditor, or on an individual basis. Any proposed services 
that exceed general pre-approved levels also require specific pre-approval by our audit committee. The policy prohibits retention of the independent public 
accountants to perform the prohibited non-audit functions defined in Section 201 of the Sarbanes-Oxley Act of 2002 or the rules of the SEC, and also requires the 
Audit Committee to consider whether proposed services are compatible with the independence of the public accountants.

ITEM 16D.

EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

Not applicable.

ITEM 16E.

PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS

We did not purchase any ordinary shares of our company nor did any affiliated purchaser purchase any shares on our behalf during 2013.  Although we do not 
believe that Formula Systems may be deemed to be an affiliated purchaser as defined in the Exchange Act, according to the Schedule 13D/A Formula Systems 
filed with the SEC on September 11, 2012, from December 2008 through September 7, 2012, it purchased an aggregate of 515,292 of our ordinary shares in open 
market transactions for an aggregate purchase price of approximately $2,500,000. This brought Formula System’s ownership interest in our shares to 51.3%.

90

ITEM 16F. CHANGES IN REGISTRANT’S CERTIFYING ACCOUNTANT

None.

ITEM 16G. CORPORATE GOVERNANCE

NASDAQ Exemptions for a Controlled Company

We are a controlled company within the meaning of NASDAQ Stock Market Rule 5615(c)(1), since Formula Systems holds more than 50% of our voting power. 
Under NASDAQ Stock Market Rule 5615(c)(1), a controlled company is exempt from the following requirements of NASDAQ Stock Market Rule 5605:

(cid:120)

(cid:120)

(cid:120)

The requirement that the majority of the company’s board of directors qualify as independent directors, as defined under NASDAQ Stock Market 
Rules. Instead, we follow Israeli law and practice which requires that we appoint at least two external directors, within the meaning of the Israeli 
Companies Law, to our board of directors. In addition, we have the mandated three independent directors, within the meaning of the rules of the 
SEC and NASDAQ, on our audit committee. See Item 6C “Directors, Senior Management and Employees - Board Practices - External and 
Independent Directors.”

The requirement that the compensation of the chief financial officer and all other executive officers be determined, or recommended to the board of 
directors for determination, either by (i) a majority of the independent directors or (ii) a compensation committee comprised solely of independent 
directors. Under Israeli law there is a different method of approval of Terms of Service and Employment of office holders. See Item 6C “Directors, 
Senior Management and Employees – Board Practices.”

The requirement that director nominees either be selected or recommended for the board of directors’ selection, either by (a) a majority of 
independent directors or (b) a nominations committee comprised solely of independent directors. Instead, we follow Israeli law and practice, in 
accordance with which directors may be recommended by our board of directors for election by our shareholders.

If the “controlled company” exemptions would cease to be available to us under the NASDAQ Stock Market Rules, we may instead elect to follow Israeli law 
instead of the foregoing NASDAQ requirements, as described below.

NASDAQ Stock Market Rules and Home Country Practice

Under NASDAQ Stock Market Rule 5615(a)(3), foreign private issuers, such as our company, are permitted to follow certain home country corporate governance 
practices instead of certain provisions of the NASDAQ Stock Market Rules. As a foreign private issuer listed on the NASDAQ Global Select Market, we may 
follow home country practice with regard to, among other things, the composition of the board of directors, compensation of officers, director nomination process 
and quorum at shareholders’ meetings. We may also follow home country practice with regard to, the NASDAQ Stock Market Rules requirement to obtain 
shareholder approval for certain dilutive events (such as for the establishment or amendment of certain equity based compensation plans, an issuance that will 
result in a change of control of the company, certain transactions other than a public offering involving issuances of a 20% or more interest in the company and 
certain acquisitions of the stock or assets of another company). A foreign private issuer that elects to follow a home country practice instead of any of such 
NASDAQ requirements must submit to NASDAQ, in advance, a written statement from an independent counsel in such issuer’s home country certifying that the 
issuer’s practices are not prohibited by the home country’s laws.

We provided NASDAQ with a notice of non-compliance with respect to the NASDAQ requirement that independent directors have regularly scheduled meetings 
at which only independent directors are present. Instead, we follow Israel law and practice, under which independent directors are not required to hold executive 
sessions.

91

PART III

ITEM 16H. MINE SAFETY DISCLOSURE

Not applicable.

ITEM 17.

FINANCIAL STATEMENTS

Not applicable.

ITEM 18.

FINANCIAL STATEMENTS

Index to Financial Statements

Reports of Independent Registered Public Accounting Firm

Consolidated Balance Sheets

Consolidated Statements of Income

Consolidated Statements of Comprehensive Income

Statements of Changes in Equity

Consolidated Statements of Cash Flows

Notes to Consolidated Financial Statements

Appendix to Consolidated Financial Statements – Details of Subsidiaries and Affiliate

ITEM 19. EXHIBITS

Index to Exhibits

Exhibit

Description

F-1

F-2 – F-4

F-5 – F-6

F- 7

F-8

F-9

F-10 – F-12

F-13– F-56

F-57

1.1
1.2
2.1
4.1
4.2
4.3
8.1
12.1
12.2
13.1
13.2

Memorandum of Association of the Registrant
Articles of Association of the Registrant
Specimen of Ordinary Share Certificate3
2000 Employee Stock Option Plan4
2007 Incentive Compensation Plan5
Form of Warrant6
List of Subsidiaries of the Registrant
Certification of Chief Executive Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as amended
Certification of Chief Financial Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as amended
Certification of Chief Executive Officer pursuant to 18 U.S.C. 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
Certification of Chief Financial Officer pursuant to 18 U.S.C. 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

92

15.1
15.2
15.3
15.4
15.5

Consent of Kost Forer Gabbay & Kasierer, a Member of Ernst & Young Global
Consent of Levy Cohen & Co., Chartered Accountants (relating to Magic Software Enterprises (UK) Limited)
Consent of Levy Cohen & Co., Chartered Accountants (relating to Hermes Logistics Technologies Limited)
Consent of Levy Cohen & Co., Chartered Accountants (relating to Pilat Europe Limited)
Consent of KDA Audit Corporation (relating to Magic Software Japan K.K.)

101.INS*
101.SCH*
101.PRE*
101.CAL*
101.LAB*
101.DEF*

XBRL Instance Document
XBRL Taxonomy Extension Schema Document
XBRL Taxonomy Presentation Linkbase Document
XBRL Taxonomy Calculation Linkbase Document
XBRL Taxonomy Label Linkbase Document
XBRL Taxonomy Extension Definition Linkbase Document

*

(1)

(2)

(3)

(4)

(5)

(6)

Pursuant to Rule 406T of Regulation S-T, these interactive data files are deemed not filed or part of a registration statement or prospectus for purposes of 
Sections 11 or 12 of the Securities Act of 1933, as amended, are deemed not filed for the purposes of Section 18 of the Securities and Exchange Act of 
1934, as amended, and otherwise are not subject to liability under those sections.

Filed as Exhibit 3.2 to the registrant’s registration statement on Form F-1, registration number 33-41486, and incorporated herein by reference.

Filed as an Item to the registrant’s Form 6-K for the month of December 2011, filed on December 7, 2011, and incorporated herein by reference.

Filed as Exhibit 4.1 to the registrant’s registration statement on Form F-1, registration number 33-41486, and incorporated herein by reference.

Filed as Exhibit 10.2 to the registrant’s annual report on Form 20-F for the year ended December 31, 2000, and incorporated herein by reference.

Filed as Exhibit 4.3 to the registrant’s annual report on Form 20-F for the year ended December 31, 2007, and incorporated herein by reference.

Filed as an Item to the registrant’s Form 6-K for the month of December 2010, filed on December 23, 2010, and incorporated herein by reference.

93

MAGIC SOFTWARE ENTERPRISES LTD. AND ITS SUBSIDIARIES

CONSOLIDATED FINANCIAL STATEMENTS 

AS OF DECEMBER 31, 2013

U.S. DOLLARS IN THOUSANDS

INDEX

Reports of Independent Registered Public Accounting Firm

Consolidated Balance Sheets

Consolidated Statements of Income

Consolidated Statements of Comprehensive Income

Statements of Changes in Equity

Consolidated Statements of Cash Flows

Notes to Consolidated Financial Statements

Appendix to Consolidated Financial Statements - Details of Subsidiaries and Affiliate

- - - - - - - - - - - -

Page

F-2 – F-4

F-5 - F-6

F-7

F-8

F-9

F-10 - F-12

F-13 - F-56

F-57

Kost Forer Gabbay & Kasierer
3 Aminadav St.
Tel-Aviv 6706703, Israel

Tel: +972-3-6232525
Fax: +972-3-5622555
ey.com

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Shareholders and the Board of Directors of

MAGIC SOFTWARE ENTERPRISES LTD. 

We have audited the accompanying consolidated balance sheets of Magic Software Enterprises Ltd. ("the Company") and its subsidiaries as of December 
31, 2012 and 2013, and the related consolidated statements of income, comprehensive income, changes in equity and cash flows for each of the three years in the
period  ended  December 31,  2013.  These  financial  statements  are  the  responsibility  of  Company's  management.  Our  responsibility  is  to  express  an  opinion  on
these financial statements based on our audits. We did not audit the financial statements of certain subsidiaries, which statements reflect total assets of 8% and 7%
as of December 31, 2012 and 2013, respectively, and total revenues of 17%, 16% and 14% for the years ended December 31, 2011, 2012 and 2013, respectively
of the related consolidated totals. Those statements were audited by other auditors whose reports have been furnished to us, and our opinion, insofar as it relates to
the amounts included for those subsidiaries, is based solely on the reports of the other auditors.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require 
that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes
examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles
used  and  significant  estimates  made  by  management,  as  well  as  evaluating  the  overall  financial  statement  presentation.  We  believe  that  our  audits  provide  a
reasonable basis for our opinion.

In  our  opinion,  based  on  our  audits  and  the  reports  of  the  other  auditors,  the  consolidated  financial  statements  referred  to  above  present  fairly,  in  all 
material respects, the consolidated financial position of the Company and its subsidiaries as of December 31, 2012 and 2013, and the related consolidated results
of their operations and their cash flows for each of the three years in the period ended December 31, 2013, in conformity with U.S. generally accepted accounting
principles.

We  have  also  audited,  in  accordance  with  the  standards  of  the  Public  Company  Accounting  Oversight  Board  (United  States),  the  Company's  internal 
control  over  financial  reporting  as  of  December 31,  2013,  based  on  criteria  established  in  Internal  Control-Integrated  Framework  issued  by  the  Committee  of 
Sponsoring Organizations of the Treadway Commission and our report dated February 21, 2014 expressed an unqualified opinion thereon.

Tel-Aviv, Israel
February 21, 2014

/s/ Kost Forer Gabbay & Kasierer
KOST FORER GABBAY & KASIERER
A Member of Ernst & Young Global

F-2

Kost Forer Gabbay & Kasierer
3 Aminadav St.
Tel-Aviv 6706703, Israel

Tel: +972-3-6232525
Fax: +972-3-5622555
ey.com

REPORT OF INDEPENDENT REGISTERED PUBLIC ACOUNTING FIRM 

To the Shareholders and the Board of Directors of

MAGIC SOFTWARE ENTERPRISES LTD. 

We have audited Magic Software Enterprises Ltd. ("the Company") internal control over financial reporting as of December 31, 2013, based on criteria 
established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission ("the COSO criteria").
The  Company's  management  is  responsible  for  maintaining  effective  internal  control  over  financial  reporting,  and  for  its  assessment  of  the  effectiveness  of
internal  control  over  financial  reporting  included  in  the  accompanying  Management's  Annual  Report  on  Internal  Control  Over  Financial  Reporting.  Our
responsibility is to express an opinion on the Company's internal control over financial reporting based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require 
that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material
respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and
evaluating the design and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary
in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

A company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting 
and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company's internal control over
financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the
transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of
financial  statements  in  accordance  with  generally  accepted  accounting  principles,  and  that  receipts  and  expenditures  of  the  company  are  being  made  only  in
accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of
unauthorized acquisition, use, or disposition of the company's assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of 
effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with
the policies or procedures may deteriorate.

In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2013, based on the 

COSO criteria.

F-3

Kost Forer Gabbay & Kasierer
3 Aminadav St.
Tel-Aviv 6706703, Israel

Tel: +972-3-6232525
Fax: +972-3-5622555
ey.com

We  have  also  audited,  in  accordance  with  the  standards  of  the  Public  Company  Accounting  Oversight  Board  (United  States),  the  consolidated  balance 
sheets  of  the  Company  and  its  subsidiaries  as  of  December 31,  2012  and  2013,  and  the  related  consolidated  statements  of  income,  comprehensive  income,
changes  in  equity  and  cash  flows  for  each  of  the  three  years  in  the  period  ended  December  31,  2013  and  our  report  dated  February  21,  2014  expressed  an
unqualified opinion thereon.

Tel-Aviv, Israel
February 21, 2014

/s/ Kost Forer Gabbay & Kasierer
KOST FORER GABBAY & KASIERER
A Member of Ernst & Young Global

F-4

CONSOLIDATED BALANCE SHEETS
U.S. dollars in thousands

ASSETS

CURRENT ASSETS:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

December 31,

2012

2013

Cash and cash equivalents
Available-for-sale marketable securities (Note 4)
Trade receivables (net of allowance for doubtful accounts of $ 2,103 and $ 3,313 at December 31, 2012 and 2013, 

$

37,744
890

$

respectively)

Other accounts receivable and prepaid expenses (Note 6)

Total current assets

LONG-TERM RECEIVABLES:

Severance pay fund
Long term deferred tax asset
Other long-term receivables

Total long-term receivables

PROPERTY AND EQUIPMENT, NET (Note 7)

INTANGIBLE ASSETS, NET (Note 8)

GOODWILL (Note 9)

Total assets

The accompanying notes are an integral part of the consolidated financial statements.

F-5

35,134
854

31,976
5,209

73,173

403
1,674
2,118

4,195

1,773

32,549

55,313

28,367
6,696

73,697

351
1,565
722

2,638

1,898

30,058

44,663

$

152,954

$

167,003

CONSOLIDATED BALANCE SHEETS
U.S. dollars in thousands (except share and per share data)

LIABILITIES AND EQUITY

CURRENT LIABILITIES:
Short term debt (Note 11)
Trade payables
Accrued expenses and other accounts payable (Note 10)
Deferred tax liability
Deferred revenues

Total current liabilities

ACCRUED SEVERANCE PAY

LONG TERM LIABILITIES:
Long term debt (Note 11)
Liabilities due to acquisition activities (Note 3)
Long term deferred tax liability

COMMITMENTS AND CONTINGENCIES (Note 15)

REDEEMABLE NON-CONTROLLING INTEREST

EQUITY (Note 13):

Magic Software Enterprises  equity:
Share capital:

Ordinary shares of NIS 0.1 par value -

Authorized: 50,000,000 shares at December 31, 2012 and 2013; Issued and Outstanding: 36,626,728 and 
37,155,355 shares at December 31, 2012 and 2013, respectively

Additional paid-in capital
Accumulated other comprehensive (loss)
Accumulated (deficit) earnings

Total Magic Software Enterprises  equity
Non-controlling interests

Total equity

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

December 31,

2012

2013

$

$

12
4,722
17,176
3,422
4,160

29,492

1,245

12
1,192
738

1,942

1,055
4,149
16,937
2,567
3,294

28,002

1,275

2,274
1,396
2,204

5,874

1,914

2,721

811
125,288
(586)
(7,727)

117,786
575

118,361

826
127,060
(172)
430

128,144
987

129,131

Total liabilities, redeemable non-controlling interest and equity

$

152,954

$

167,003

The accompanying notes are an integral part of the consolidated financial statements.

F-6

CONSOLIDATED STATEMENTS OF INCOME
U.S. dollars in thousands (except per share data)

Revenues (Note 17):

Software
Maintenance and technical support
Consulting services

Total revenues

Cost of revenues:

Software
Maintenance and technical support
Consulting services

Total cost of revenues

Gross profit

Operating costs and expenses:

Research and development, net (Note 14a)
Selling and marketing
General and administrative

Total operating costs and expenses

Operating income
Financial income (expense), net (Note 14b)
Other income (expense), net

Income before taxes on income
Taxes on income (tax benefit) (Note 12)

Net income
Change in redeemable non-controlling interests
Net income attributable to non-controlling interests

Net income attributable to Magic Software Enterprises Shareholders

Net earnings per share attributable to Magic Software Enterprises' shareholders (Note 16):
Basic and diluted earnings per share

The accompanying notes are an integral part of the consolidated financial statements.

$

$

F-7

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

2011

Year ended December 31,
2012

2013

$

$

23,110
16,751
73,467

$

23,684
22,384
80,312

23,254
22,685
99,019

113,328

126,380

144,958

5,771
2,250
59,237

67,258

46,070

2,047
20,147
9,159

31,353

14,717
221
125

15,063
(203)

15,266
-
222

15,044

0.41

$

$

7,439
3,238
62,716

73,393

52,987

2,947
22,990
10,642

36,579

16,408
10
136

16,554
94

16,460
184
93

16,183

0.44

$

$

6,648
2,949
76,296

85,893

59,065

3,706
23,066
13,166

39,938

19,127
(684)
(12)

18,431
1,575

16,856
546
430

15,880

0.43

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
U.S. dollars in thousands (except per share data)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

2011

Year ended December 31,
2012

2013

Net income

$

15,266

$

16,460

$

16,856

Other comprehensive income (loss), net of tax
Foreign currency translation adjustments, net
Unrealized gain from derivative instruments, net
Unrealized loss (gain) from available-for-sale securities

Total other comprehensive income (loss), net of tax

Total comprehensive income

Comprehensive income attributable to redeemable non-controlling interests
Comprehensive income attributable to non-controlling interests

(423)
(23)
(73)

(519)

(621)
29
28

(564)

495
-
(35)

460

14,747

15,896

17,316

-
169

157
96

807
476

Comprehensive income attributable to Magic Software Enterprises' shareholders

$

14,578

$

15,643

$

16,033

The accompanying notes are an integral part of the consolidated financial statements.

F-8

STATEMENTS OF CHANGES IN EQUITY
U.S. dollars in thousands (except per share data)

Balance as of January 1, 2011
Exercise of stock options
Stock-based compensation expenses
Cost related to issuance of Ordinary shares
Non-controlling interest as part of acquisitions
Acquisition of non-controlling interests in Magix (see 

Note 3)

Other comprehensive income
Net income

Balance as of December 31, 2011

Exercise of stock options
Stock-based compensation expenses
Dividend
Acquisition of non-controlling interests in Xsell (see Note 

36,490,020
136,708
-
-

3)

Other comprehensive income
Net income

Balance as of December 31, 2012

Exercise of stock options
Stock-based compensation expenses
Dividend
Other comprehensive income
Net income

Balance as of December 31, 2013

-
-
-

36,626,728
528,627
-
-
-
-

37,155,355

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Share 
capital
number

Share 
capital
amount

Additional
paid-in
capital

Accumulated
other
comprehensive
income (loss)

Accumulated
deficit

Non
controlling
interests

Total 
equity

35,909,606
580,414

$

$

794
14

-
-

-
-
-

$

122,917
861
633
(21)
-

226
-
-

124,616
306
515
-

(149)
-
-

125,288
1,447
325
-
-
-

127,060

$

447
-
-
-
-

-
(466)
-

(19)
-
-
-

-
(567)
-

(586)
-
-
-
414
-

(172)

(35,293)
-
-
-
-

-
-
15,044

(20,249)
-
-
(3,661)

-
-
16,183

(7,727)
-
-
(7,723)
-
15,880

430

$

$

-
-
-
-
1,766

(1,466)
(53)
222

469
-
-
-

(165)
3
268

575
-
-
(64)
46
430

987

88,865
875
633
(21)
1,766

(1,240)
(519)
15,266

105,625
309
515
(3,661)

(314)
(564)
16,451

118,361
1,462
325
(7,787)
460
16,310

129,131

-
-

-
-
-

808
3
-
-

-
-
-

811
15
-
-
-
-

826

The accompanying notes are an integral part of the consolidated financial statements.

F-9

CONSOLIDATED STATEMENTS OF CASH FLOWS
U.S. dollars in thousands

Cash flows from operating activities:

Net income

Adjustments to reconcile net income to net cash provided by operating activities:

Depreciation and amortization
Interest expenses related to liabilities in connection with acquisitions
Accrued severance pay, net
Loss on sale of property and equipment
Stock-based compensation expenses
Amortization of marketable securities premium, accretion of discount
Gain on sale of subsidiary's operation
Decrease (increase) in trade receivables, net
Decrease (increase) in other long term and short term accounts receivable and prepaid 

expenses

Increase in trade payables
Increase (decrease) in accrued expenses and other accounts payable
Increase (decrease) in deferred revenues
Change in deferred income taxes, net

Net cash provided by operating activities

The accompanying notes are an integral part of the consolidated financial statements.

F-10

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

2011

Year ended December 31,
2012

2013

$

15,266

$

16,460

$

16,856

5,040
112
143
10
633
(14)
(136)
(5,405)

(1,753)
446
953
1,593
(1,650)

15,238

7,444
48
8
-
515
-
(136)
11

145
780
(2,279)
(1,131)
1,083

22,948

8,380
-
-
10
325
-
-
473

(397)
(700)
(1,589)
(1,765)
687

22,280

CONSOLIDATED STATEMENTS OF CASH FLOWS
U.S. dollars in thousands

Cash flows from investing activities:

Capitalized software development costs
Purchase of property and equipment
Cash paid in conjunction with acquisitions, net of acquired cash
Proceeds from sale of subsidiary's operation
Proceeds from sale of property and equipment
Proceeds from maturity of marketable securities
Proceeds from short-term bank deposits
Change in loans to employees and other deposits ,net
Investment in short-term bank deposit

Net cash used in investing activities

Cash flows from financing activities:

Proceeds from exercise of options by employees
Issuance (expense on issuance) of Ordinary shares
Dividend paid
Short-term credit, net
Purchase of non-controlling interest
Long term loan received
Repayment of long-term loans

Net cash used in financing activities

Effect of exchange rate changes on cash and cash equivalents

Increase (decrease) in cash and cash equivalents
Cash and cash equivalents at the beginning of the year

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

2011

Year ended December 31,
2012

2013

(5,222)
(497)
(23,640)
136
-
1,557
21,974
17
(24,153)

(29,828)

875
(21)
-
20
(1,377)
-
-

(503)

143

(14,950)
43,661

(4,969)
(510)
(7,627)
136
-
343
3,601
(34)
(1,366)

(10,426)

309
-
(3,661)
14
(87)
-
-

(3,425)

(64)

9,033
28,711

(4,713)
(497)
(16,557)
-
60
-
-
-
-

(21,707)

1,462
-
(7,787)
(47)
(168)
3,307
(95)

(3,328)

145

(2,610)
37,744

Cash and cash equivalents at end of the year

$

28,711

$

37,744

$

35,134

The accompanying notes are an integral part of the consolidated financial statements.

F-11

CONSOLIDATED STATEMENTS OF CASH FLOWS
U.S. dollars in thousands

Supplementary information on investing and financing activities not involving cash flows:

Non-cash activities:

Deferred acquisition payment

Contingent acquisition payment

Supplemental disclosure of cash flow activities:

Cash paid during the year for:

Income taxes

Interest

The accompanying notes are an integral part of the consolidated financial statements.

F-12

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

2011

Year ended December 31,
2012

2013

$

$

$

$

-

750

1,015

8

$

$

$

$

3,103

1,192

1,250

17

$

$

$

$

1,581

3,981

1,519

34

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 1:- GENERAL

Magic Software Enterprises Ltd., an Israeli company, and its subsidiaries ("the Group") is a global provider of software platforms and professional 
services that accelerate the planning, development, deployment and integration of on-premise, mobile and cloud business applications ("the Magic 
technology"). Magic technology enables enterprises to accelerate the process of delivering business solutions that meet current and future needs and 
allow customers to dramatically improve their business performance and return on investment. To complement its software products and to increase 
its traction with customers, the Group also offers a complete portfolio of IT professional services in the areas of infrastructure design and delivery, 
application  development,  technology  planning  and  implementation  services,  communications  services  and  solutions,  and  supplemental  staffing 
services. The Company reports its results on the basis of two reportable business segments: software services (which include proprietary and non-
proprietary  software  and  related  services)  and  IT  professional  services  (see  Note  17  for  further  details).  The  principal  markets  of  the  Group  are 
Europe, United States, Japan and Israel (see Note 17).

For information about the Company's holdings in subsidiaries and affiliates, see Appendix A to the consolidated financial statements.

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES

The consolidated financial statements have been prepared in accordance with generally accepted accounting principles in the United States ("U.S. 
GAAP"), applied on a consistent basis, as follows:

Use of estimates

The preparation of the consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to 
make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. The Company's management 
believes  that  the  estimates,  judgments  and  assumptions  used  are  reasonable  based  upon  information  available  at  the  time  they  are  made.  Actual 
results could differ from those estimates. The most significant assumptions are employed in estimates used in determining values of goodwill and 
identifiable  intangible  assets  and  their  subsequent  impairment  analysis,  revenue  recognition,  tax  assets  and  tax  positions,  legal  contingencies, 
research and development capitalization, contingent consideration related to acquisitions and stock-based compensation costs. Actual results could 
differ from those estimates.

Financial statements in United States dollars

A  substantial  portion  of  the  revenues  and  expenses  of  the  Company  and  certain  of  its  subsidiaries  is  generated  in  U.S.  dollars  ("dollar").  The 
Company's management believes that the dollar is the currency of the primary economic environment in which the Company and its subsidiaries 
operate. Thus, the functional and reporting currency of the Company and certain of its subsidiaries is the dollar.

F-13

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Accordingly,  monetary  accounts  maintained  in  currencies  other  than  the  dollar  are  remeasured  into  dollars  in  accordance  with  the  Financial 
Accounting  Standards  Board  ("FASB)  Accounting  Standards  Codification  ("ASC")  830,  "Foreign  Currency  Matters".  All  transaction  gains  and 
losses  of  the  remeasurement  of  monetary  balance  sheet  items  are  reflected  in  the  statements  of  income  as  financial  income  or  expenses,  as 
appropriate.

For those foreign subsidiaries whose functional currency is not the dollar, all balance sheet amounts have been translated using the exchange rates 
in effect at each balance sheet date. Statement of income amounts have been translated using the average exchange rate prevailing during each year. 
Such translation adjustments are reported as a component of other comprehensive income (loss) in equity.

Principles of consolidation

The consolidated financial statements include the accounts of the Company and its wholly-owned and majority-owned subsidiaries. Intercompany 
balances and transactions, including profit from intercompany sales not yet realized outside the Group, have been eliminated upon consolidation.

Changes in the parent's ownership interest in a subsidiary with no change of control are treated as equity transactions, with any difference between 
the amount of consideration paid and the change in the carrying amount of the non-controlling interest, recognized in equity.

Non-controlling interests of subsidiaries represent the non-controlling share of the total comprehensive income (loss) of the subsidiaries and fair 
value  of  the  net  assets  upon  the  acquisition  of  the  subsidiaries.  The  non-controlling  interests  are  presented  in  equity  separately  from  the  equity 
attributable  to  the  equity  holders  of  the  Company.  Redeemable  non-controlling  interests  are  classified  as  mezzanine  equity,  separate  from 
permanent equity, on the consolidated balance sheets and measured at each reporting period at the higher of their redemption amount or the Non 
controlling  interest  book  value,  in  accordance  with  the  requirements  of  ASC  810  "Consolidation"  and  ASC  480-10-S99-3A,  "Distinguishing 
Liabilities from Equity".

The following table provides a reconciliation of the redeemable non-controlling interests:

January 1, 2013
Net income attributable to redeemable non-controlling interests
Foreign currency translation adjustments

December 31, 2013

F-14

1,914
546
261

2,721

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

Cash and cash equivalents

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Cash and cash equivalents are short-term highly liquid investments that are readily convertible to cash with original maturities of three months or 
less, at the date acquired.
Cash and cash equivalent includes amounts held primarily in U.S. dollars, Euro, Japanese Yen and British Pound.

Short-term deposits and restricted deposits

Short-term deposits include deposits with original maturities of more than three months and less than one year. Such deposits are presented at cost 
(including  accrued  interest)  which  approximates  their  fair  value.  Restricted  deposits  are  used  to  secure  certain  Group's  ongoing  projects  and  are 
classified under other receivables.

Marketable securities

The Company accounts for investments in marketable securities in accordance with ASC No. 320, “Investments – Debt and Equity Securities”. 
Management determines the appropriate classification of its investments at the time of purchase and reevaluates such determinations at each 
balance sheet date. The Company classifies all of its marketable securities as available for sale. Available for sale securities are carried at fair value, 
with the unrealized gains and losses, net of tax, reported in “accumulated other comprehensive income (loss)” in equity. Realized gains and losses 
on sale of investments are included in “financial income, net” and are derived using the specific identification method for determining the cost of 
securities.
 The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity. Such amortization together 
with interest on securities is included in “financial income, net”.

The Company recognizes an impairment charge when a decline in the fair value of its investments in debt securities below the cost basis of such 
securities is judged to be other-than-temporary. Factors considered in making such a determination include the duration and severity of the 
impairment, the reason for the decline in value, the potential recovery period and the Company’s intent to sell, including whether it is more likely 
than not that the Company will be required to sell the investment before recovery of cost basis. For securities that are deemed other-than-
temporarily impaired, the amount of impairment is recognized in “net gain (impairment net of gains) on sale of marketable securities previously 
impaired” in the statements of income and is limited to the amount related to credit losses, while impairment related to other factors is recognized in 
other comprehensive income.

F-15

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

Property and equipment, net

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Property and equipment are stated at cost, net of accumulated depreciation. Depreciation is calculated by the straight-line method over the estimated 
useful lives of the assets, at the following annual rates:

Computers and peripheral equipment
Office furniture and equipment
Motor vehicles
Software

Leasehold improvements

Business combinations

Years

3
7 - 15 (mainly 7)
7
3 – 5 (mainly 5)
Over the shorter of the lease term or useful
economic life

The  Company  accounts  for  business  combinations  under  ASC  805,  "Business  Combinations".  ASC  805  requires  recognition  of  assets  acquired, 
liabilities assumed, non-controlling interest and redeemable non-controlling interest in the acquiree at the acquisition date, measured at their fair 
values as of that date. As required by ASC 820, "Fair Value Measurements and disclosures" the Company applies assumptions that marketplace 
participants  would  consider  in  determining  the  fair  value  of  assets  acquired,  liabilities  assumed,  non-controlling  interest  and  redeemable  non-
controlling  interest  in  the  acquiree  at  the  acquisition  date.  Any  excess  of  the  fair  value  of  net  assets  acquired  over  purchase  price  and  any 
subsequent changes in estimated contingencies are to be recorded in earnings. 

Variable interest entities 

ASC  810,  "Consolidation"  provides  a  framework  for  identifying  variable  interest  entities  (or  "VIEs")  and  determining  when  a  company  should 
include the assets, liabilities, non-controlling interests and results of activities of a VIE in its consolidated financial statements.

F-16

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The Company's assessment of whether an entity is a VIE and the determination of the primary beneficiary requires judgment and involves the use 
of significant estimates and assumptions. Those include, among others, forecasted cash flows, their respective probabilities and the economic value 
of certain preference rights. In addition, such assessment also involves estimates of whether a group entity can finance its current activities, until it 
reaches profitability, without additional subordinated financial support.

Effective as of January 1, 2010, the Company applies updated guidance for the consolidation of VIEs. The guidance qualitative approach, based on 
which enterprise has both (1) the power to direct the economically significant activities of the entity and (2) the obligation to absorb losses of, or the 
right  to  receive  benefits  from,  the  entity  that  could  potentially  be  significant  to  the  variable  interest  entity.  Determination  about  whether  an 
enterprise should consolidate a VIE is required to be evaluated continuously as changes to existing relationships or future transactions.

One of the Company's U.S. based consulting and staffing services business acquired through one of its wholly owned subsidiaries on January 17, 
2010 is considered to be a VIE. The subsidiary is the primary beneficiary of the VIE, as a result of the fact that it holds the power to direct the 
activities of the acquired business, which significantly impacts its economic performance, and has the right to receive benefits accruing from the 
acquired business.

Research and development costs

Research and development costs incurred in the process of software development before establishment of technological feasibility are charged to 
expenses as incurred. Costs incurred subsequent to the establishment of technological feasibility are capitalized according to the principles set forth 
in ASC 985-20, "Costs of Software to be Sold, Leased or Marketed".

The Company and its subsidiaries establish technological feasibility upon completion of a detailed program design or working model.

Research and development costs incurred in the process of developing product enhancements are generally charged to expenses as incurred.

Capitalized software costs are amortized on a product by product basis by the straight-line method over the estimated useful life of the software 
product  (between  4-5  years).  The  Company  assesses  the  recoverability  of  these  intangible  assets  on  a  regular  basis  by  determining  whether  the 
amortization  of  the  asset  over  its  remaining  economical  useful  life  can  be  recovered  through  undiscounted  future  operating  cash  flows  from  the 
specific software product sold. During the years ended December 31, 2011, 2012 and 2013, no such unrecoverable amounts were identified.

F-17

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

Long-Lived Assets

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The Company long-lived, non-current assets are comprised mainly of goodwill, identifiable intangible assets and property, plants and equipment.

Impairment of long-lived assets and intangible assets subject to amortization

The Company's long-lived assets are reviewed for impairment in accordance with ASC 360, "Property, Plant and Equipment" whenever events or 
changes  in  circumstances  indicate  that  the  carrying  amount  of  an  asset  may  not  be  recoverable.  Recoverability  of  assets  to  be  held  and  used  is 
measured by a comparison of the carrying amount of an asset to the future undiscounted cash flows expected to be generated by the assets. If such 
assets  are  considered  to  be  impaired,  the  impairment  to  be  recognized  is  measured  by  the  amount  by  which  the  carrying  amount  of  the  assets 
exceeds the fair value of the assets.

As  required  by  ASC  820,  "Fair  Value  Measurements  and  disclosures"  the  Company  applies  assumptions  that  marketplace  participants  would 
consider in determining the fair value of long-lived assets (or asset groups).

Intangible assets with finite lives are amortized over their economic useful life using a method of amortization that reflects the pattern in which the 
economic  benefits  of  the  intangible  assets  are  consumed  or  otherwise  used  up.  Distribution  rights,  acquired  technology  and  non-compete  were 
amortized on a straight line basis and customer relationships and backlog were amortized on an accelerated method basis over a period between 3.5 
- 15 years based on the intangible assets identified.

During the years ended December 31, 2011, 2012 and 2013, no impairment was identified.

Goodwill

Goodwill represents the excess of the purchase price in a business combination over the fair value of the net tangible and intangible assets acquired. 
Under ASC 350,"Intangibles - Goodwill and Other", goodwill is subject to an annual impairment test or more frequently if impairment indicators 
are present. Goodwill impairment is deemed to exist if the net book value of a reporting unit exceeds its estimated fair value. As of December 31, 
2013, the Company operates in two operating segments.

F-18

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

For  the  Company's  2010  and  2011  annual  impairment  tests  and  as  required  by  ASC  350,  the  Company  compared  the  fair  value  of  each  of  its 
reporting units to its carrying value ('step 1'). If the fair value exceeded the carrying value of the reporting unit net assets, goodwill is considered not 
impaired,  and  no  further  testing  is  required.  If  the  carrying  value  exceeded  the  fair  value  of  the  reporting  unit,  then  the  implied  fair  value  of 
goodwill is determined by subtracting the fair value of all the identifiable net assets from the fair value of the reporting unit. An impairment loss is 
recorded for the excess, if any, of the carrying value of goodwill over its implied fair value ('step 2').

As  required  by  ASC  820,  "Fair  Value  Measurements  and  Disclosures",  the  Company  applies  assumptions  that  market  place  participants  would 
consider in determining the fair value of each reporting unit.

In 2010 and 2011 in order to determine the fair value of its two reporting units, the Company implemented an 'income approach'. Under the income 
approach expected future cash flows are discounted to their present value using an appropriate rate of return. Judgments and assumptions related to 
future cash flows (projected revenues, operating expenses, and capital expenditures), future short-term and long-term growth rates, and weighted 
average  cost  of  capital,  are  believed  to  be  similar  to  those  of  market  participants  and  to  represent  both  the  specific  risks  associated  with  the 
business, and capital market conditions, are inherent in developing the discounted cash flow model.

In September 2011, the FASB issued ASU 2011-08 which amends the rules for testing goodwill for impairment. Under the new rules, an entity has 
the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more 
likely than not that the fair value of a reporting unit is less than its carrying amount. If, after assessing the totality of events or circumstances, an 
entity determines it is not more likely than not that the fair value of a reporting unit is less than its carrying amount, then performing the two-step 
impairment test is unnecessary.

The  Company  adopted  the  provisions  of  ASU  2011-08  to  its  reporting  units,  for  its  annual  impairment  test  in  2012  and  2013.  This  analysis 
determines  that  no  indicators  of  impairment  existed  primarily  because  (the  Company's  overall  financial  performance  has  been  stable  since  its 
respective  acquisitions,  and  since  forecasts  of  operating  income  and  cash  flows  generated  by  the  Company's  reporting  units  appear  sufficient  to 
support the book values of the net assets of each reporting unit. In addition the Company's market capitalization has consistently exceeded its book 
value by a sufficient margin,

For  newly  acquired  reporting  units  the  Company  determines  the  fair  value  of  each  reporting  unit  using  the  Income  Approach,  which  utilizes  a 
discounted cash flow model, as it believes that this approach best approximates the reporting unit's fair value. Judgments and assumptions related to 
revenue,  operating  income,  future  short-term  and  long-term  growth  rates,  weighted  average  cost  of  capital,  interest,  capital  expenditures,  cash 
flows,  and  market  conditions  are  inherent  in  developing  the  discounted  cash  flow  model.  The  Company  considers  historical  rates  and  current 
market conditions when determining the discount and growth rates to use in its analyses. If these estimates or their related assumptions change in 
the future, the Company may be required to record impairment charges for its goodwill.

The Company performed annual impairment tests during the fourth quarter of each of 2011, 2012 and 2013 and did not identify any impairment 
losses (see Note 9).

F-19

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

Revenue recognition

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The  Company  derives  its  revenues  from  licensing  the  rights  to  use  software  (proprietary  and  non-proprietary),  provision  of  related  professional 
services, maintenance and technical support as well as from other IT professional services. The Company sells its products and services primarily 
through its direct sales force and indirectly through distributors and value added resellers.

The  Company  accounts  for  its  software  sales  in  accordance  with  ASC  985-605,  "Software  Revenue  Recognition".  Software  license  revenue  is 
recognized  when  persuasive  evidence  of  an  arrangement  exists,  delivery  has  occurred,  the  vendor's  fee  is  fixed  or  determinable,  no  further 
obligation exists and collectability is probable.

Maintenance and support includes annual maintenance contracts providing for unspecified upgrades for new versions and enhancements on a when-
and-if-available basis for an annual fee. The right for an unspecified upgrade for new versions and enhancements on a when-and-if-available basis 
do not specify the features, functionality and release date of future product enhancements for the customer to know what will be made available and 
the general timeframe in which it will be delivered.

Maintenance and support revenue included in multiple element arrangements is deferred and recognized on a straight-line basis over the term of the 
maintenance and support agreement.

As required by ASC 985-605, the Company allocates revenues to the software component of its multiple-element arrangements using the residual 
method  when  vendor  specific  objective  evidence  ("VSOE")  of  fair  value  exists  for  the  undelivered  elements  of  the  support  and  maintenance 
agreements. VSOE is based on the price charged when an element is sold separately or renewed. Under the residual method, the fair value of the 
undelivered  elements  is  deferred  and  the  remaining  portion  of  the  arrangement  fee  is  allocated  to  the  delivered  elements  and  is  recognized  as 
revenue.

The Company generally does not grant a right of return to its customers. When a right of return exists, the Company defers revenue until the right 
of return expires, at which time revenue is recognized provided that all other revenue recognition criteria are met.

Revenue  from  professional  services  related  to  both  software  and  the  IT  professional  services  businesses  consists  of  billable  hours  for  services 
provided and is recognized as the services are rendered.

F-20

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Arrangements  that  include  professional  services  bundled  with  licensed  software  and  other  software  related  elements,  are  evaluated  to  determine 
whether  those  services  are  essential  to  the  functionality  of  other  elements  of  the  arrangement.  When  services  are  considered  essential  to  the 
software,  revenues  under  the  arrangement  are  recognized  using  contract  accounting  based  on  ASC  605-35,  "Construction-Type  and  Production-
Type Contracts", on a percentage of completion method based on inputs measures. Provisions for estimated losses on uncompleted contracts are 
made in the period in which such losses are first determined, in the amount of the estimated loss for the entire contract. During the years ended 
December 31, 2011, 2012 and 2013, no such estimated losses were identified.

When professional services are not considered essential to the functionality of other elements of the arrangement, revenue allocable to the services 
is  recognized  as  the  services  are  performed,  using  VSOE  of  fair  value.  In  most  cases,  the  Company  has  determined  that  the  services  are  not 
considered essential to the functionality of other elements of the arrangement.

Deferred revenue includes unearned amounts received under maintenance, support and services contracts, and amounts received from customers but 
not yet recognized as revenues.

Revenue from third-party sales is recorded at a gross or net amount according to certain indicators. The application of these indicators for gross and 
net reporting of revenue depends on the relative facts and circumstances of each sale and requires significant judgment.

Severance pay

The  Company's  and  its  Israeli  subsidiary's  obligation  for  severance  pay  with  respect  to  their  Israeli  employees  (for  the  period  for  which  the 
employees were not included under Section 14 of the Severance Pay Law, 1963) is calculated pursuant to the Israeli Severance Pay Law based on 
the most recent salary of the employees multiplied by the number of years of employment as of the balance sheet date, and are presented on an 
undiscounted basis (referred to as the "Shut Down Method"). Employees are entitled to one month's salary for each year of employment or a portion 
thereof.  The  Company's  obligation  for  all  of  its  Israeli  employees  is  fully  provided  for  by  monthly  deposits  with  insurance  policies  and  by  an 
accrual.

The Group has a number of savings plans in the United States that qualify under Section 401(k) of the Internal Revenue Code. U.S employees may 
contribute up to 100% of their pretax salary, but not more than statutory limits. Matching contributions are discretionary and are up to 3% of the 
participants  contributions.   When  contributions  are  granted,  they  are  invested  in  proportion  to  each  participant's  voluntary  contributions  in  the 
investment options provided under the plan.

The carrying value of deposited funds includes profits (losses) accumulated up to the balance sheet date. The deposited funds may be withdrawn 
only  upon  the  fulfillment  of  the  obligations  pursuant  to  the  Israeli  Severance  Pay  Law  or  labor  agreements  and  are  recorded  as  an  asset  in  the 
Company's consolidated balance sheet.

F-21

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The Company and its Israeli subsidiaries’ agreements with most of their Israeli employees are in accordance with Section 14 of the Severance Pay 
Law -1963, mandating that upon termination of such employees' employment, all the amounts accrued in their insurance policies shall be released 
to them instead of severance compensation. Upon release of deposited amounts to the employee, no additional liability exists between the parties 
regarding the matter of severance pay and no additional payments shall be made by the Company or its subsidiaries to the employee. Further, the 
related obligation and amounts deposited on behalf of such obligation are not stated on the balance sheet, as the Company and its subsidiaries are is 
legally released from their obligations to employees once the deposit amounts have been paid.

Severance expenses for the years ended December 31, 2011, 2012 and 2013 amounted to approximately $ 609, $ 829 and $ 1,132, respectively.

Advertising expenses

Advertising expenses are charged to  selling and marketing expenses, as incurred. Advertising expenses for the years ended December 31, 2011, 
2012 and 2013 amounted to $ 313, $ 556 and $ 306, respectively.

Income taxes

The  Company  and  its  subsidiaries  account  for  income  taxes  in  accordance  with  ASC  740,  "Income  Taxes".  The  ASC  prescribes  the  use  of  the 
liability method whereby deferred tax asset and liability account balances are determined based on differences between financial reporting and tax 
bases  of  assets  and  liabilities  and  are  measured  using  the  enacted  tax  rates  and  laws  that  will  be  in  effect  when  the  differences  are  expected  to 
reverse. The Company and its subsidiaries provide a valuation allowance, if necessary, to reduce deferred tax assets to their estimated realizable 
value. Deferred tax assets and liabilities are classified as current or non-current according to the expected reversal dates.

The Company utilizes a two-step approach for recognizing and measuring uncertain tax positions accounted for in accordance with an amendment 
of ASC 740 "Income Taxes." Under the first step the Company evaluates a tax position taken or expected to be taken in a tax return by determining 
if the weight of available evidence indicates that it is more likely than not that, based on its technical merits, the tax position will be sustained on 
audit, including resolution of any related appeals or litigation processes. The second step is to measure the tax benefit as the largest amount that is 
more  than  50%  likely  to  be  realized  upon  ultimate  settlement  with  the  tax  authorities.  The  Company  accrued  interest  and  penalties  related  to 
unrecognized tax benefits in its provisions for income taxes.

F-22

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

Basic and diluted net earnings per share

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Basic  net  earnings  per  share  are  computed  based  on  the  weighted  average  number  of  ordinary  shares  outstanding  during  each  year.  Diluted  net 
earnings  per  share  are  computed  based  on  the  weighted  average  number  of  ordinary  shares  outstanding  during  each  year, plus  dilutive  potential 
ordinary shares considered outstanding during the year, in accordance with ASC 260, "Earnings Per Share."

A portion of the outstanding stock options have been excluded from the calculation of the diluted earnings per share because such securities are 
anti-dilutive. The total weighted average number of  Ordinary shares related to  the outstanding options excluded from  the calculations  of diluted 
earnings per share was 550,430, 669,887 and 536,877 for the years ended December 31, 2011, 2012 and 2013, respectively.

Stock-based compensation

The  Company  accounts  for  stock-based  compensation  in  accordance  with  ASC  718,  "Compensation  -  Stock  Compensation"  which  requires 
companies to estimate the fair value of equity-based payment awards on the date of grant using an option-pricing model. The value of the portion of 
the award that is ultimately expected to vest is recognized as an expense over the requisite service periods in the Company's consolidated statement 
of income.

The Company recognizes compensation expenses for the value of its awards, which have graded vesting based on the accelerated method over the 
requisite service period of each of the awards, net of estimated forfeitures.

The Company measures and recognizes compensation expense for share-based awards based on estimated fair values on the date of grant using the 
Binomial  option-pricing  model  ("the  Binomial  model").  The  Binomial  model for  option pricing  requires  a  number of  assumptions,  of which the 
most  significant  are  the  suboptimal  exercise  factor  and  expected  stock  price  volatility.  The  suboptimal  exercise  factor  is  estimated  based  on 
employees' historical option exercise behavior.

The suboptimal exercise factor is the ratio by which the stock price must increase over the exercise price before employees are expected to exercise 
their stock options. Expected volatility is based upon actual historical stock price movements and was calculated as of the grant dates for different 
periods, since the Binomial model can be used for different expected volatilities for different periods. The risk-free interest rate is based on the yield 
from U.S. Treasury zero-coupon bonds with an equivalent term to the contractual term of the options. Historically the Company did not hold any 
foreseeable plans to pay dividends and therefore used an expected dividend yield of zero in its past years option pricing models. In September 2012, 
the  Company  adopted  a  dividend  distribution  policy  according  to  which  it  will  distribute  in  each  year  a  dividend  of  up  to  50%  of  its  annual 
distributable profits. Therefore as of September 2012 the Company uses an expected dividend yield for its grants.

F-23

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The expected term of options granted is derived from the output of the option valuation model and represents the period of time that options granted 
are expected to be outstanding. Estimated forfeitures are based on actual historical pre-vesting forfeitures.

For awards with performance conditions, compensation cost is recognized over the requisite service period if it is 'probable' that the performance 
conditions will be satisfied, as defined in ASC 450-20-20, "Loss Contingencies."

The  fair  value  for  the  Company's  stock  options  granted  to  employees  and  directors  was  estimated  using  the  following  weighted-average 
assumptions:

Dividend yield
Expected volatility
Risk-free interest rate
Expected forfeiture (employees)
Expected forfeiture (executives)
Contractual term of up to
Suboptimal exercise multiple (employees)
Suboptimal exercise multiple (executives)

2011

2013

0%
63.3% - 65.3%
2.1%
8.4%
5.2%
10 years
2.7
3.2

3%
57.7% - 60.2%
2.6%
-
5.2%
10 years
-
3.2

During the years ended December 31, 2011, 2012 and 2013, the Company recognized stock-based compensation expense related to employee stock 
options in the amount of $ 633, $ 515 and $ 325, respectively, as follows:

Cost of revenue
Research and development
Selling and marketing
General and administrative

Total stock-based compensation expense

Concentrations of credit risk

Year ended December 31,
2012

2013

2011

$

$

$

4
54
92
483

$

16
114
82
303

633

$

515

$

11
67
85
162

325

Financial instruments that potentially subject the Company and its subsidiaries to concentration of credit risk consist principally of cash and cash 
equivalents, short-term deposits, marketable securities, trade receivables and foreign currency derivative contracts.

F-24

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The Company's cash and cash equivalents and short-term deposits are invested primarily in deposits with major banks worldwide, mainly in the 
United States and Israel, however, such cash and cash equivalents and short-term deposits in the United States may be in excess of insured limits 
and are not insured in other jurisdictions. The Company believes that such institutions are of high rating and therefore bear low risk.

The  Company's  marketable  securities  include  investments  in  commercial  and  government  bonds  and  foreign  banks.  The  Company's  marketable 
securities are considered to be highly liquid and have a high credit standing. In addition, management considered its portfolios in foreign banks to 
be well-diversified (also refer to Note 4).

Trade receivables of the Company and its subsidiaries are derived from sales to customers located primarily in the United States, Europe, Japan, 
South Africa and Israel. The Company performs ongoing credit evaluations of its customers and excluding 2013to date has not experienced any 
material losses. An allowance for doubtful accounts is determined with respect to those amounts that the Company has determined to be doubtful of 
collection.  The  expense  related  to  doubtful  accounts  for  the  years  ended  December  31,  2011,  2012  and  2013  was  $ 136,  $ 420  and  $  1,285, 
respectively.

The  Company  has  entered  into  foreign  exchange  forward  contracts  intended  to  protect  against  the  changes  in  value  of  forecasted  non-dollar 
currency cash flows related to salary and related expenses. These derivative instruments are designed to offset the Company's non-dollar currency 
exposure (see "Derivative instruments" below).

Fair value measurements

The Company accounts for certain assets and liabilities at fair value under ASC 820, "Fair Value Measurements and Disclosures". Fair value is an 
exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market 
participants. As such, fair value is a market-based measurement that should be determined based on assumptions that market participants would use 
in pricing an asset or a liability. As a basis for considering such assumptions, ASC 820 establishes a three-tier value hierarchy, which prioritizes the 
inputs used in the valuation methodologies in measuring fair value:

Level 1 -

Observable inputs that reflect quoted prices (unadjusted) for identical assets or liabilities in active markets;

Level 2 -

Significant other observable inputs based on market data obtained from sources independent of the reporting entity;

Level 3 -

Unobservable inputs which are supported by little or no market activity;

The  fair  value  hierarchy  also  requires  an  entity  to  maximize  the  use  of  observable  inputs  and  minimize  the  use  of  unobservable  inputs  when 
measuring fair value. The Company categorized each of its fair value measurements in one of these three levels of hierarchy.

F-25

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Assets  and  liabilities  measured  at  fair value  on  a  recurring  basis  are  comprised  of  marketable  securities,  foreign  currency  forward  contracts  and 
contingent consideration of acquisitions (see Note 5).

The  carrying  amounts  reported  in  the  balance  sheet  for  cash  and  cash  equivalents,  short  term  bank  deposits,  trade  receivables,  other  accounts 
receivable, short-term bank credit, trade payables and other accounts payable approximate their fair values due to the short-term maturities of such 
instruments.

Comprehensive income (loss)

The  Company  accounts  for  comprehensive  income  (loss)  in  accordance  with  ASC  220,  "Comprehensive  Income."  This  Statement  establishes 
standards  for  the  reporting  and  display  of  comprehensive  income  and  its  components  in  a  full  set  of  general  purpose  financial  statements. 
Comprehensive  income  (loss)  generally  represents  all  changes  in  equity  during  the  period  except  those  resulting  from  investments  by,  or 
distributions  to,  shareholders.  The  Company  determined  that  its  items  of  other  comprehensive  income  (loss)  relate  to  gain  and  loss  on  foreign 
currency translation adjustments, unrealized gain and loss on derivative instruments designated as hedges and unrealized gain and loss on available-
for-sale marketable securities.

Derivative instruments

A  material  portion  of  the  Company's  revenues,  expenses  and  earnings  is  exposed  to  changes  in  foreign  exchange  rates.  Depending  on  market 
conditions, foreign exchange risk is also managed through the use of derivative financial instruments. These financial instruments serve to protect 
net income against the impact of the translation into U.S. dollars of certain foreign exchange-denominated transactions. The derivative instruments 
hedge or offset exposures to Euro, Japanese Yen and NIS exchange rate fluctuations.

ASC  815,  "Derivatives  and  Hedging,"  requires  companies  to  recognize  all  of  their  derivative  instruments  as  either  assets  or  liabilities  in  their 
balance sheet at fair value. Derivative instruments that are designated and qualify as hedges of forecasted transactions (i.e., cash flow hedges) are 
carried at fair value with the effective portion of a derivative's gain or loss recorded in other comprehensive income and subsequently recognized in 
earnings  in  the  same  period  or  periods  in  which  the  hedged  forecasted  transaction  affects  earnings.  For  derivative  instruments  that  are  not 
designated  and  qualified  as  hedging  instruments,  the  gains  or  losses  on  the  derivative  instruments  are  recognized  in  current  earnings  during  the 
period of the change in fair values.

The derivative instruments used by the Company are designed to reduce the market risk associated with the exposure of its underlying transactions 
to fluctuations in currency exchange rates.

F-26

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The  Company  has  instituted  a  foreign  currency  cash  flow  hedging  program  in  order  to  hedge  against  the  risk  of  overall  changes  in  future  cash 
flows.  The  Company  hedges  portions  of  its  forecasted  expenses  denominated  in  NIS  with  currency  forwards  contracts  and  put  and  call  options. 
These forward and option contracts are designated as cash flow hedges.

For derivative instruments that are designated and qualify as a cash flow hedge (i.e., hedging the exposure to variability in expected future cash 
flows that is attributable to a particular risk), the effective portion of the gain or loss on the derivative instrument is reported as a component of 
other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings. The 
remaining gain or loss on the derivative instrument in excess of the cumulative change in the present value of future cash flows of the hedged item, 
if any, is recognized in current earnings during the period of change.

For derivative instruments not designated as hedging instruments, the gain or loss is recognized in current earnings during the period of change.

The  notional  principal  of  foreign  exchange  contracts  to  purchase  NIS  with  U.S.  dollars  was  $ 519  and  $  0  as  of  December  31,  2012  and  2013, 
respectively. The notional principal of foreign exchange contracts to purchase U.S. dollars with Euros was $ 0 as of December 31, 2012 and $ 0 as 
of December 31, 2013. The notional principal of foreign exchange contracts to purchase U.S. dollars with Japanese Yen was $1,276 as of December 
31, 2012 and $ 0 as of December 31, 2013.

At December 31, 2013, the Company did not have any cash flow hedges.

The following tables present fair value amounts and gains and losses of derivative instruments and related hedged items:

Fair values of derivative instruments
Assets

Balance sheet item

December 31,

2012

2013

Assets

Derivatives not designated as hedging

"Other accounts receivable and prepaid 

expenses"

Cash flow hedging:

Foreign exchange option contracts

" Other accounts receivable and prepaid 

Total derivatives

expenses"

F-27

$

$

140

$

16

156

$

-

-

-

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

Statements
of
income item

Gain (loss)
recognized in the
statements of income
Year ended December 31,
2012

2011

2013

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Cash flow hedging:

Foreign exchange forward and option 

"Operating expenses"

contracts

Derivatives not designated as hedging:

Foreign exchange forward contracts

net"

"Financial expenses, 

Total derivatives

Reclassification

$

$

63 $

- $

-

59

245

122 $

245 $

139

139

Certain  amounts  in  prior  years'  financial  statements  have  been  reclassified  to  conform  with  the  current  year's  presentation  (see  Note  3).  The 
reclassification had no effect on previously reported net income, equity or cash flow.

Impact of recently issued accounting standards

 In July 2013, the Financial Accounting Standards Board (“FASB”) issued guidance that requires that a nonrecognized tax benefit be presented in 
the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward. 
This net presentation is required unless a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the 
reporting date or the tax law of the jurisdiction does not require, and the entity does not intend to use, the deferred tax asset to settle any additional 
income tax that would result from the disallowance of the unrecognized tax benefit. This guidance is effective for fiscal year beginning after 
December 15, 2013, with early adoption permitted. The company believes that the adoption of this standard will not have a material impact on its 
consolidated financial statements.

In March 2013, the FASB issued further guidance on accounting for the release of a cumulative translation adjustment into net income when a 
parent company either sells a part or all of its investment in a foreign entity or no longer holds a controlling financial interest in a subsidiary or 
group of assets and provides guidance for the acquisition in stages of a controlling interest in a foreign entity. This guidance is effective for fiscal 
years beginning after December 15, 2013, with early adoption permitted. The company believes that the adoption of this standard will not have a 
material impact on its consolidated financial statements.

F-28

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 2:-

SIGNIFICANT ACCOUNTING POLICIES (Cont.)

In February 2013, the FASB issued ASU No. 2013-02, "Reporting of Amounts Reclassified out of Accumulated Other Comprehensive Income." 
Under ASU 2013-02, an entity is required to provide information about the amounts reclassified out of Accumulated Other Comprehensive Income 
("AOCI")  by  component.  In  addition,  an  entity  is  required  to  present,  either  on  the  face  of  the  financial  statements  or  in  the  notes,  significant 
amounts reclassified out of AOCI by the respective line items of net income, but only if the amount reclassified is required to be reclassified in its 
entirety in the same reporting period. For amounts that are not required to be reclassified in their entirety to net income, an entity is required to 
cross-reference to other disclosures that provide additional details about those amounts. ASU 2013-02 does not change the current requirements for 
reporting net income or other comprehensive income in the financial statements. ASU 2013-02 is effective for the Company on January 1, 2013. 
Since  this  standard  only  impacts  presentation  and  disclosure  requirements,  its  adoption  did  not  have  a  material  impact  on  the  Company's 
consolidated results of operations or financial condition.

NOTE 3:-

BUSINESS COMBINATION, SIGNIFICANT TRANSACTION AND SALE OF BUSINESS

a.

On  December  27,  2011,  the  Company  completed  the  acquisition  of  the  AppBuilder  activity  of  BluePhoenix  Solutions  ("AppBuilder"),  a 
leading provider of value-driven legacy IT modernization solutions, for $ 12,565. During 2012, the Company paid an additional amount of $ 
140 with respect to the acquisition. AppBuilder is a comprehensive application development infrastructure used by many enterprises around 
the world. This premier enterprise application development environment is a powerful, model-driven tool that enables development teams to 
build, deploy, and maintain large-scale, custom-built business applications. The Company believes the acquisition will broaden its product 
portfolio and strengthens the presence in numerous global markets. Acquisition related costs were immaterial.

The acquisition was accounted for by the purchase method. The results of operations were included in the consolidated financial statements 
of the Company commencing January 1, 2012.

The following table summarizes the estimated fair values of the assets acquired and liabilities assumed:

Net liabilities
Intangible assets
Goodwill

Net assets acquired

$

$

(3,248)
7,251
8,702

12,705

F-29

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 3:-

BUSINESS COMBINATION, SIGNIFICANT TRANSACTION AND SALE OF BUSINESS (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Identifiable intangible assets, including customer relationship were valued using a variation of the income approach. This method utilized a 
forecast of expected cash inflows, cash outflows and contributory charges for economic returns on tangible and intangible assets employed.

Amounts of $ 4,430, $ 2,138 and $ 683 of the purchase price were allocated to customer relationships, developed technology and backlog, 
respectively. The Company amortizes the customer relationships, backlog and acquired technology over periods of 15 years, 15 years and 
3.5 years, respectively.

b.

In  July  2012,  the  Company  acquired  an  80%  interest  in  Comm-IT  Group,  (including  "Comm-IT  Technology  Solutions"  and  "Comm-IT 
Software"),  a  software  and  systems  development  house  that  specializes  in  providing  advanced  IT  and  communications  services  and 
solutions, for a total consideration of $ 8,933, of which $ 4,990 was paid upon closing and the remaining $ 3,943 is to be paid during the 
next two years, of which, $ 1,192 is contingent upon the acquired business meeting certain operational targets in 2012 and 2013, and $ 2,751 
in  deferred  payments.  The  Purchaser  and  the  seller  hold  mutual  Call  and  Put  options  respectively  for  the  remaining  20%  interest  in  the 
group. As a result of the Put option, the Company recorded redeemable non-controlling interest in the amount of $ 1,750.

As  of  December  31,  2012  and  2013,  the  Company's  liability  towards  the  sellers  is  estimated  at  $ 4,031  and  $1,522,  respectively.  The 
Company believes that the acquisition of this business will enable it to expand its professional services offering and leverage its relationships 
with top tier customers. Acquisition related costs were immaterial.

In accordance with ASC 805-30-35-1, the Company re-measures the contingent consideration based on the fair value at each reporting date 
until the contingency is resolved or the payment is made, while the changes in fair value are recognized in earnings in the financial expenses 
using  the  interest  method  over  the  period.  The  contingent  payment  was  recorded  at  present  value  and  was  amortized  using  the  interest 
method during the relevant period into financial expenses.

The acquisition was accounted for by the purchase method. The results of operations were included in the consolidated financial statements 
of the Company commencing July 1, 2012.

F-30

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 3:-

BUSINESS COMBINATION, SIGNIFICANT TRANSACTION AND SALE OF BUSINESS (Cont.)

On  May  2013  the  company  finalized  the  process  of  identifying  the  tangible  and  intangible  assets  for  its  acquisition.  The  following  table 
summarize the fair value of the assets and liabilities acquired:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Net assets
Non-controlling interest
Intangible assets
Goodwill
Deferred tax liability, net

Net assets acquired

As reported
on December
31, 2012

Adjustment

Modified

$

$

$

1,219
(1,880)
3,873
5,809
-

$

14
130
397
439
(1,068)

1,233
(1,750)
4,270
6,248
(1,068)

9,021

$

(88) $

8,933

c.

On  February  26,  2013,  the  Company  purchased  Pilat  Europe  Limited  Ltd.  and  Pilat  (North  America)  Inc.  which  provides  custom  human 
capital  management  solutions,  for  a  total  consideration  of  $ 1,233.  The  Company  believes  the  acquisition  will  broaden  its  application 
product portfolio, customer base and strengthen its presence in numerous global markets. Acquisition related costs were immaterial.

The  acquisition  was  accounted  for  by  the  purchase  method.  The  results  of  operations  of  these  entities  were  included  in  the  consolidated 
financial statements of the Company commencing March 1, 2013.

The following table summarizes the estimated fair values of the assets acquired and liabilities at the date of acquisition:

Net assets
Intangible assets
Goodwill

Total assets acquired

$

$

406
331
496

1,233

*)

The estimated fair values of the tangible and intangible assets are provisional and are based on information that was available as of 
the  acquisition  date  to  estimate  the  fair  value  of  these  amounts.  The  Company's  management  believes  the  information  provides  a 
reasonable basis for estimating the fair values of these amounts, but is waiting for additional information necessary to finalize those 
fair values. Therefore, provisional measurements of fair value reflected are subject to change. The Company expects to finalize the 
tangible  and  intangible  assets  valuation  and  complete  the  acquisition  accounting  as  soon  as  practicable  as  but  no  later  than  the 
measurement period.

F-31

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 3:-

BUSINESS COMBINATION, SIGNIFICANT TRANSACTION AND SALE OF BUSINESS (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

d.

On May 16, 2013, the Company purchased Valinor Ltd, a consulting company specializing in project and product consultation, installation 
and implementation of databases for a total consideration of $ 1,618, of which $ 339 was paid upon closing, $ 339 was paid in November 
2013, $340 is payable by May 25, 2014, and $ 600 is contingently payable upon the business meeting certain operational targets in 2013 and 
2014.  On  December  2013  the  company  increased  the  total  consideration  according  to  2013  results  by  $230  recorded  in  the  Company’s 
statement  of  operations.  The  Company  believes  the  acquisition  will  broaden  its  professional  service  offering  to  its  existing  and  new 
customers in the fields of projects and product consultation and installation and implementation of databases. Acquisition related costs were 
immaterial.

The acquisition was accounted for by the purchase method .

The  results  of  operations  of  these  entities  were  included  in  the  consolidated  financial  statements  of  the  Company  commencing  May  15, 
2013.

The following table summarizes the estimated fair values of the assets acquired and liabilities at the date of acquisition:

Net assets
Intangible assets
Goodwill

Total assets acquired

$

$

28
464
1,126

1,618

*)

The estimated fair values of the tangible and intangible assets are provisional and are based on information that was available as of 
the acquisition date to estimate the fair value of these amounts. The Company believes the information provides a reasonable basis for 
estimating the fair values of these amounts, but is waiting for additional information necessary to finalize those fair values. Therefore, 
provisional measurements of fair value reflected are subject to change. The Company expects to finalize the tangible and intangible 
assets valuation and complete the acquisition accounting as soon as practicable as but no later than the measurement period.

F-32

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 3:-

BUSINESS COMBINATION, SIGNIFICANT TRANSACTION AND SALE OF BUSINESS (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

e.

On May 30, 2013, the Company purchased Dario Solutions IT Ltd, a consulting company specializing in integration services of Microsoft 
products in enterprise IT environments for a total consideration of $ 3,723, of which $ 1,100 was paid upon closing, $ 906 is to be paid by 
February 28, 2014 and the remaining $ 1,717 is contingently payable upon the business meeting certain operational targets in 2013, 2014 
and  2015.  The  company  believes  the  acquisition  will  complement  the  company’s’ professional  services  offering  to  its  existing  and  new 
customers in the field of software integration and advanced on target IT solutions for large and mid- range customers. Acquisition related 
costs were immaterial.

The acquisition was accounted for by the purchase method .

The results of operations of these entities were included in the consolidated financial statements of the Company commencing June 1, 2013.

The following table summarizes the estimated fair values of the assets acquired and liabilities at the date of acquisition:

Net Assets
Intangible assets
Goodwill

Total assets acquired

$

$

371
707
2,645

3,723

*)

The estimated fair values of the tangible and intangible assets are provisional and are based on information that was available as of 
the acquisition date to estimate the fair value of these amounts. The Company believes the information provides a reasonable basis for 
estimating the fair values of these amounts, but is waiting for additional information necessary to finalize those fair values. Therefore, 
provisional measurements of fair value reflected are subject to change. The Company expects to finalize the tangible and intangible 
assets valuation and complete the acquisition accounting as soon as practicable as but no later than the measurement period.

f.

On  November  11,  2013  the  Company  acquired  the  operations  of  Allstates  Technical  Services,  LLC,  a  US-based  full-service  provider  of 
consulting and staffing solutions for IT, Engineering and Telecom personnel, for a total consideration of $10,963. The company believes the 
acquisition  will  broadens  its  existing  US  footprint  and  adds  leading  Fortune  500  companies  to  its  customer  base,  making  an  important 
contribution  to  its  growth  strategy  in  the  IT  professional  services  operating  segment.  The  results  of  operations  were  included  in  the 
consolidated financial statements of the Company commencing November 11, 2013.

F-33

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 3:-

BUSINESS COMBINATION, SIGNIFICANT TRANSACTION AND SALE OF BUSINESS (Cont.)

The following table summarizes the estimated fair values of the assets acquired and liabilities at the date of acquisition:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Net Assets
Intangible assets
Goodwill

Total assets acquired

$

$

3,063
2,874
5,026

10,963

*)

The estimated fair values of the tangible and intangible assets are provisional and are based on information that was available as of 
the acquisition date to estimate the fair value of these amounts. The Company believes the information provides a reasonable basis for 
estimating the fair values of these amounts, but is waiting for additional information necessary to finalize those fair values. Therefore, 
provisional measurements of fair value reflected are subject to change. The Company expects to finalize the tangible and intangible 
assets valuation and complete the acquisition accounting as soon as practicable as but no later than the measurement period.

g.

h.

In  addition,  the  Company  acquired  additional  activities  during  the  year  ended  December  31,  2013,  whose  influence  on  the  financial 
statements of the Company was immaterial, for a total consideration of $ 0.9 million.

Below are certain unaudited pro forma combined statements of income data for the year ended December 31, 2012 and 2013, respectively, 
as  if  the  acquisition  in  Note  3  had  occurred  at  January  1,  2012,  after  giving  effect  to  purchase  accounting  adjustments,  including 
amortization of intangible assets. This pro forma financial information is not necessarily indicative of the combined results that would have 
been attained had the acquisition taken place at the beginning of 2012, nor is it necessarily indicative of future results.

Total revenues
Net income attributable to Magic Software Enterprises shareholders
Earnings per share

Basic

Diluted

F-34

Year ended December 31,
2012

2013

Unaudited

$
$

$
$

158,132
17,206

0.47
0.46

$
$

$
$

170,661
17,098

0.46
0.46

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 4:- MARKETABLE SECURITIES

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The Group invests in marketable debt and equity securities, which are classified as available-for-sale. The following is a summary of marketable 
securities:

2012

2013

December 31,

Amortized
cost

Unrealized
losses

Unrealized 
gains

Market
value

Amortized
cost

Unrealized 
losses

Unrealized
gains

Market
value

Available-for-sale:

Governmental bonds
Commercial bonds
Equity funds

Total available-for-sale marketable 

securities

$

$

$

407
192
118

717

$

-
-
-

-

$

$

$

20
45
108

$

427
237
226

$

407
190
119

173

$

890

$

716

$

-
-
-

-

$

$

$

3
25
110

138

$

The amortized costs of available-for-sale debt securities at December 31, 2013, by contractual maturities, are shown below:

Due in one year or less

Amortized
cost

Gross unrealized 
gains (losses)

Gains

Losses

Estimated
fair value

$

$

597

597

$

$

28

28

$

$

-

-

$

$

410
215
229

854

625

625

The  actual  maturity  dates  may  differ  from  the  contractual  maturities  because  debtors  may  have  the  right  to  call  or  prepay  obligations  without 
penalties.

The following is the change in the other comprehensive income of available-for-sale securities during 2012:

Other comprehensive income from available-for-sale securities as of January 1, 2012

Unrealized loss from available-for-sale securities

Other comprehensive income from available-for-sale securities as of December 31, 2012

F-35

Other
comprehensive
income

$

$

145

28

173

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 4:- MARKETABLE SECURITIES (Cont.)

The following is the change in the other comprehensive income of available-for-sale securities during 2013:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Other comprehensive income from available-for-sale securities as of January 1, 2013

Unrealized gain from available-for-sale securities

Other comprehensive income from available-for-sale securities as of December 31, 2013

NOTE 5:- FAIR VALUE MEASUREMENTS

Other
comprehensive
income

$

$

173

(35)

138

In accordance with ASC 820, the Company measures its investment in marketable securities and foreign currency derivative contracts at fair value. 
Generally marketable securities are classified within Level 1, this is because these assets are valued using quoted prices in active markets. Foreign 
currency derivative contracts and certain corporate bonds are classified within Level 2 as the valuation inputs are based on quoted prices and market 
observable data of similar instruments.

Contingent consideration is classified within Level 3. The Company values the Level 3 contingent consideration using discounted cash flow of the 
expected future payments, whose inputs include interest rate.

The Company's financial assets measured at fair value on a recurring basis, excluding accrued interest components, consisted of the following types 
of instruments as of the following dates:

Assets:

Government bonds
Corporate bonds
Equity fund

Total financial assets

Liabilities:

Contingent consideration

Total financials liabilities

December 31, 2013
Fair value measurements using input type

Level 1

Level 2

Level 3

Total

$

410
-
229

639

$

-

-

$

$

$

$

$

$

F-36

$

-
215
-

215

$

-

-

$

$

-
-
-

-

3,981

3,981

$

$

$

$

410
215
229

854

3,981

3,981

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 5:- FAIR VALUE MEASUREMENTS (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Assets:

Government bonds
Corporate bonds
Equity fund
Foreign currency derivative contracts

Total financial assets

Liabilities:

Contingent consideration

Total financials liabilities

December 31, 2012
Fair value measurements using input type

Level 1

Level 2

Level 3

Total

$

$

$

$

$

427
-
226
-

$

-
237
-
156

653

$

393

$

-
-
-
-

-

-

-

$

$

-

-

$

$

1,942

1,942

$

$

$

$

427
237
226
156

1,046

1,942

1,942

Fair value measurements using significant unobservable inputs (Level 3):

Opening balance
Increase in contingent consideration
Decrease in contingent consideration
Amortization of interest

Closing balance

NOTE 6:- OTHER ACCOUNTS RECEIVABLE AND PREPAID EXPENSES

Short-term lease deposits
Prepaid expenses
Government authorities
Deferred tax assets, net
Restricted deposits
Other

F-37

December 31,

2012

2013

$

1,046
1,192
(315)
19

1,942
2,459
(750)
330

1,942

$

3,981

December 31,

2012

2013

$

615
1,039
2,313
2,522
163
44

6,696

$

773
1,156
862
1,949
289
180

5,209

$

$

$

$

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 7:- PROPERTY AND EQUIPMENT

Cost:

Leasehold improvements
Computers and peripheral equipment
Office furniture and equipment
Motor vehicles
Software

Accumulated depreciation:

Leasehold improvements
Computers and peripheral equipment
Office furniture and equipment
Motor vehicles
Software

Depreciated cost

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

$

December 31,

2012

2013

$

470
9,826
1,875
244
2,479

14,894

242
9,420
1,435
124
1,775

546
10,106
2,639
98
1,962

15,351

288
9,657
1,947
68
1,618

12,996

13,578

$

1,898

$

1,773

Depreciation expenses amounted to $ 630, $ 757 and $ 656 for the years ended December 31, 2011, 2012 and 2013, respectively.

F-38

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 8:-

INTANGIBLE ASSETS

a.

Intangible assets:

Original amounts:

Capitalized software costs
Customer relationships
Backlog and non-compete agreement
Acquired technology

Accumulated amortization:

Capitalized software costs
Customer relationships
Backlog and non-compete agreement
Acquired technology

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

December 31,

2012

2013

$

$

54,599
19,802
1,112
2,138

77,651

41,191
5,756
472
174

47,593

59,069
23,843
1,554
3,112

87,578

45,075
8,895
630
429

55,029

32,549

Intangible assets, net

$

30,058

$

b.

c.

Amortization expenses amounted to $ 4,410, $ 6,687 and $ 7,724 for the years ended December 31, 2011, 2012 and 2013, respectively.

The estimated future amortization expense of intangible assets as of December 31, 2013 is as follows:

2014
2015
2016
2017
2018
2019 and thereafter

7,207
6,390
5,291
3,717
2,722
7,222

$

32,549

F-39

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 9:- GOODWILL

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Changes in the carrying amount of goodwill for the years ended December 31, 2012 and 2013 according to the Company's reporting units are as 
follows (see also 16):

As of January 1, 2012

$

11,908

$

26,989

$

38,897

IT
professional
services

Software
services

Total

Business combination
Adjustments due to finalized purchase price allocation
Foreign currency translation adjustments

As of December 31, 2012

Business combination
Classifications
Foreign currency translation adjustments

As of December 31, 2013

6,248
(120)
-

-
140
(502)

18,036

26,627

9,007
430
1,022

1,036
-
(845)

28,495

26,818

6,248
20
(502)

44,663

10,043
430
177

55,313

The Company performed annual impairment tests during the fourth quarter of 2013 and did not identify any impairment losses (see Note 2).

F-40

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 10:- ACCRUED EXPENSES AND OTHER ACCOUNTS PAYABLE

Employees and payroll accruals
Accrued expenses
Deferred and contingent payments related to acquisitions
Government authorities
Other

NOTE 11:- LONG TERM DEBT

Loans from banks in USD (1)
Loan from banks and other in NIS
Other long term debt

Less – Current maturities (included under “short-term debt”)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

December 31,

2012

2013

$

7,073
1,917
3,828
2,175
2,195

6,675
2,925
4,167
2,495
675

17,188

$

16,937

December 31,

2012

2013

$

-
-
24

(12)

2,904
405
20

(1,055)

12

$

2,274

$

$

$

$

Interest rate as
of December 31,
2013
%
3.7%
4.1%-5.9%

(1) Loan from a US bank, received on November 2013 in the amount of $3,000, paid monthly in equal payment, for a period of 36 months bearing 
interest of Libor+3.5%. The loan agreement contains various covenants which require us to maintain certain financial ratios. The Company has 
met the financial ratios as of December 31, 2013.

(2) In November 2013, the Company entered into a three-year $3,000 credit facility. As of December 31, 2013, the company did not utilized the 

credit facility.

F-41

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 12:- TAXES ON INCOME

a.

Israeli taxation:

1.

Corporate tax rate in Israel:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Taxable income of Israeli companies is subject to tax at the rate of 24% in 2011, 25% in 2012 and 25% in 2013 and 26.5% in 2014.

2.

Tax benefits under the Israeli Law for the Encouragement of Capital Investments, 1959 ("the Law"):

Certain production and development facilities of the Company have been granted "Approved Enterprise" status pursuant to the Law, 
which provides certain tax benefits to its investment programs including tax exemptions and reduced tax rates. Income not eligible for 
Approved Enterprise benefits is taxed at regular rates.

In the event of distribution of dividends from the said tax-exempt income, the amount distributed will be subject to corporate tax at 
the rate ordinarily applicable to the Approved Enterprise's income. The tax-exempt income attributable to the benefit period of the 
Approved  Enterprise  programs mentioned  above  can  be distributed  to shareholders  without  subjecting  the Company to  taxes,  only 
upon the complete liquidation of the applicable Israeli subsidiary.

The  entitlement  to  the  above  benefits  is  conditional  upon  the  fulfilling  of  the  conditions  stipulated  by  the  Laws  and  regulations. 
Should they fail to meet such requirements in the future, income attributable to its Approved Enterprise programs could be subject to 
the statutory Israeli corporate tax rate and they could be required to refund a portion of the tax benefits already received, with respect 
to such programs. As of December 31, 2013, management believes that the Company's Israeli subsidiaries are in compliance with all 
the conditions required by the Law.

F-42

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 12:- TAXES ON INCOME (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Effective January 1, 2011, the Knesset enacted the Law for Economic Policy for 2011 and 2012 (Amended Legislation), and among 
other things, amended the Law, ("the Amendment"). According to the Amendment, the benefit tracks in the Investment Law were 
modified and a flat tax rate applies to the Company's entire preferred income. The Company will be able to opt to apply (the waiver is 
non-recourse) the Amendment and from then on it will be subject to the amended tax rates as follows: 2014 - 16%. As of December 
31, 2013, the Company has not applied for this amendment. The profits of these “Industrial Companies” will be freely distributable as 
dividends, subject to a withholding tax of 20% (on distribution commencing January 1, 2014) or lower, under an applicable tax treaty. 
Certain “Special Industrial Companies” that meet more stringent criteria (significant  investment, R&D or employment thresholds), 
will enjoy further reduced tax rates of 5% in Zone A and 8% elsewhere. In order to be classified as a “Special Industrial Company,”
the approval of three governmental authorities in Israel is required.

The Company and certain of its Israeli subsidiaries intend to apply the new incentives regime under Amendment 68 to its Approved 
Enterprises in Israel starting in 2014 and believes it will qualify as an “Industrial Company” under the new law.

The Company's Israeli entities have received final tax assessments for their Israeli tax return filings through the year 2008.

Tax benefits under the Law for the Encouragement of Industry (Taxes), 1969:

3.

4.

The Company qualifies as an Industrial Company within the meaning of the Law for the Encouragement of Industry (Taxes), 1969 
(the  "Industrial  Encouragement  Law").  The  Industrial  Encouragement  Law  defines  an  "Industrial  Company"  as  a  company  that  is 
resident  in Israel  and  that  derives at least 90%  of its  income in  any tax  year, other  than  income  from  defense loans, capital gains, 
interest  and  dividends,  from  an  enterprise  whose  major  activity  in  a  given  tax  year  is  industrial  production.  Under  the  Industrial 
Encouragement  Law,  the  Company  is  entitled  to  amortization  of  the  cost  of  purchased  know-how  and  patents  over  an  eight-year 
period for tax purposes as well as accelerated depreciation rates on equipment and buildings.

Eligibility for the benefits under the Industrial Encouragement Law is not subject to receipt of prior approval from any governmental 
authority.

b.

Non-Israeli subsidiaries:

Non-Israeli subsidiaries are taxed according to the tax laws in their respective domiciles of residence. If earnings are distributed to Israel in 
the form of dividends or otherwise, the Company may be subject to additional Israeli income taxes (subject to an adjustment for foreign tax 
credits) and foreign withholding taxes.

F-43

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 12:- TAXES ON INCOME (Cont.)

c.

Net operating loss carryforwards:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

As  of  December  31,  2013,  the  Company  and  its  Israeli  subsidiaries  had  operating  loss  carryforwards  of  $ 12,412,  which  can  be  carried 
forward and offset against taxable income in the future for an indefinite period.

The Company's subsidiaries in Europe had  estimated total available tax loss carryforwards of $ 5,252 as of December 31, 2013, to offset 
against future taxable income.

The Company's subsidiaries in the U.S. had estimated total available tax loss carryforwards of $ 2,835 as of December 31, 2013, which can 
be carried forward and offset against taxable income for a period of up to 20 years, from the year the loss was incurred.

Utilization of U.S. net operating losses may be subject to substantial annual limitations due to the "change in ownership" provisions ("annual 
limitations") of the Internal Revenue Code of 1986 and similar state provisions. The annual limitation may result in the expiration of net 
operating losses before utilization.

d.

Income before taxes on income:

Domestic
Foreign

e.

Taxes on income:

Taxes on income (tax benefit) consist of the following:

Current:

Domestic
Foreign

Deferred taxes:

Domestic
Foreign

$

$

$

Year ended December 31,
2012

2013

2011

7,197
7,866
15,063

$

$

10,462
6,092
16,554

$

$

16,165
2,266
18,431

Year ended December 31,
2012

2013

2011

$

447
1,000

(1,291) $
302

1,447

(989)

(1,800)
150

(1,650)

414
669

1,083

(1,277)
781

(496)

2,673
(602)

2,071

1,575

Taxes on income (tax benefit)

$

(203) $

94

$

F-44

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 12:- TAXES ON INCOME (Cont.)

f.

Deferred tax assets and liabilities:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Deferred  taxes  reflect  the  net  tax  effects  of  temporary  differences  between  the  carrying  amounts  of  assets  and  liabilities  for  financial 
reporting purposes and the amounts used for income tax purposes. Significant components of the Company and its subsidiaries deferred tax 
assets are as follows:

Net operating loss carryforwards
Allowances, reserves and intangible assets

Deferred tax assets before valuation allowance
Less - valuation allowance

Deferred tax assets
Capitalized software costs

Deferred tax assets, net

December 31,

2012

2013

$

$

5,938
809

6,747
(888)

5,859
(1,772)

5,293
1,207

6,500
(1,154)

5,346
(1,723)

$

4,087

$

3,623

Both current deferred tax liabilities and long term deferred tax liabilities are in respect of acquired intangible assets.

Current tax assets
Non-current tax assets

Deferred tax assets

December 31,

2012

2011

$

$

$

2,522
1,565

4,087

$

1,949
1,674

3,623

Current taxes are included under other accounts receivable and prepaid expenses and non-current tax assets are included under other long 
term receivables.

Significant components of the Company and its subsidiaries deferred tax liability are as follows:

Current liabilities
Non-current liabilities

Net deferred tax liabilities

F-45

December 31,

2012

2013

$

$

$

3,422
750

4,172

$

2,567
2,204

4,771

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 12:- TAXES ON INCOME (Cont.)

g.

Reconciliation of the theoretical tax expense to the actual tax expense:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Reconciling items between the 2011, 2012 and 2013 statutory tax rate (24%, 25% and 25%, respectively) of the Company and the effective 
tax rate is presented in the following table:

2011

Year ended December 31,
2012

2013

Income before taxes, as reported in the consolidated statements of 

income

Statutory tax rate

Theoretical tax expenses on the above amount at the Israeli statutory tax 

rate

Tax adjustment in respect of different tax rates
Deferred taxes on losses for which full valuation allowance was 

provided in the past

Changes in valuation allowance
Tax benefits in respect of prior years, net
Nondeductible expenses
Uncertain tax position and other differences

$

$

15,063

$

16,554

$

18,431

24%

25%

25%

$

3,615
866

(37)
(4,429)

(73) *)
40

(185) **)

$

4,139
444

651
(2,003)
(1,126)
20
(2,031)

4,609
484

(304)
-
203
95
(3,512)

Income tax (tax benefit)

$

(203) $

94

$

1,575

*)

**)

In 2012, the Company reversed its write-off of tax prepayment advances from prior years since the Company believes the utilization 
of the prepayments is more-likely-than not in the near future.
This amount is mainly comprised of tax provisions reversal due to statute of limitation of prior years' tax assessments amounting to 
$1,270.

F-46

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 12:- TAXES ON INCOME (Cont.)

h.

The Company applies ASC 740, "Income Taxes" with regards to tax uncertainties. During the years ended December 31, 2011, 2012 and 
2013, the Company recorded $ 727, $ (240) and $(2,811) of tax expenses (income), respectively, as a result of this application.

A reconciliation of the beginning and ending balances of the total amounts of gross unrecognized tax benefits is as follows:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Gross unrecognized tax positions at January 1, 2012

$

3,528

Increase in tax positions taken in prior years

Decrease in tax positions taken in prior years

Gross unrecognized tax benefits at December 31, 2012

Increase in tax positions taken in prior years

Decrease in tax positions taken in prior years

270

(489)

3,309

-

(2,811)

Gross unrecognized tax benefits at December 31, 2013

$

498

The Company recognizes interest and penalties related to unrecognized tax benefits in taxes on income. During the years ended December 
31, 2012 and 2013, the Company recorded $ (21) and $ 40, respectively, for interest and penalties expenses (income) related to uncertain tax 
positions.  The  liability  for  unrecognized  tax  benefits  included  accrued  interest  and  penalties  of  $  55  and  $  58  at  December 31,  2012  and 
2013, respectively.

As of December 31, 2013, the entire amount of unrecognized tax benefit could affect the Company's income tax provision and the effective 
tax rate.

NOTE 13:- EQUITY

a.

b.

The ordinary shares of the Company are listed on the NASDAQ Global Select Market in the United States and are traded on the Tel-Aviv 
Stock Exchange in Israel.

Issuance of ordinary shares:

On December 23, 2010, the Company issued 3,287,616 ordinary shares at a price of $ 6.5 per share and in a total amount of $ 20,290 net of 
issuance expenses. The shares were issued to institutional investors in a private placement. In addition, certain of the purchasers received 
warrants to purchase up to an aggregate of 1,134,231 ordinary shares at an exercise price of $ 8.26 per share.  The warrants are exercisable 
as  of  six  months  from  the  date  of  issuance,  have  a  term  of  three  years,  and  the  exercise  price  is  subject  to  future  adjustment  for  various 
events,  such  as  stock  splits  or  dividend  distributions.  Following  the  Company's  dividend  distribution  and  in  respect  to  warrants  issuance 
agreement, exercise price was adjusted to $ 7.75 per share as of December 31, 2013.

F-47

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 13:- EQUITY (Cont.)

c.

Stock Option Plans:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Under  the  Company's  2007  Stock  Option  Plan,  as  amended  ("the  Plan"),  options  may  be  granted  to  employees,  officers,  directors  and 
consultants  of  the  Company  and  its  subsidiaries.  Pursuant  to  the  2007  Stock  Option  Plan,  the  Company  reserved  for  issuance  1,500,000 
ordinary  shares.  In  2012,  the  Company  increased  the  amount  of  ordinary  shares  reserved  for  issuance  by  additional  1,000,000  ordinary 
shares in connection with the 2007 Stock Option Plan (mentioned above). As of December 31, 2013, an aggregate of 1,153,063 ordinary 
shares of the Company are available for future grants under the Plan. Each option granted under the Plan is exercisable for a period of ten 
years from the date of the grant of the option. The 2007 Plan will expire on August 1, 2017.

The  exercise  price  for  each  option  is  determined  by  the  Board  of  Directors  and  set  forth  in  the  Company's  award  agreement.  Unless 
determined otherwise by the Board of Directors, the option exercise price shall be equal to or higher than the share market price at the grant 
date. The options generally vest over 3-4 years. Any option that is forfeited or canceled before expiration becomes available for future grants 
under the Plans.

A summary of employee option activity under the Plans as of December 31, 2013 and changes during the year ended December 31, 2013 are 
as follows:

Number
of options

Weighted
average
exercise
price

$
1,157,385
$
85,000
(528,627) $
(10,648) $

703,110

461,610

703,110

$

$

$

2.74
6.00
2.73
1.51

3.16

2.36

3.16

Weighted
average
remaining
contractual
term 
(in years)

Aggregate
intrinsic
value

5.87

$

2,298

6.68

5.78

6.68

$

$

$

2,822

2,219

2,822

Outstanding at January 1, 2013
Granted
Exercised
Forfeited

Outstanding at December 31, 2013

Exercisable at December 31, 2013

Vested and expected to vest at December 31, 2013

F-48

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 13:- EQUITY (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The weighted-average grant-date fair value of options granted during the years ended December 31, 2011, 2012 and 2013 was $ 1.88, $4 and 
$ 6, respectively. The aggregate intrinsic value in the table above represents the total intrinsic value that would have been received by the 
option holders had all option holders exercised their options on December 31, 2013. This amount is changed based on the market value of 
the Company's ordinary shares. Total intrinsic value of options exercised during the years ended December 31, 2011, 2012 and 2013 was $ 
2,197, $ 572 and $ 1,741, respectively. As of December 31, 2013, there was $ 423 of unrecognized compensation cost related to non-vested 
share-based compensation arrangements granted under the Plans. This cost is expected to be recognized over a period of approximately three 
years.

The following table represents the employee option activity whose vesting is contingent upon meeting various departmental and Company's 
wide performance goals (including revenue growth and net gain index), as of December 31, 2013. These options have been included in the 
above table on employee option activity:

Outstanding at January 1, 2013

Outstanding at December 31, 2013

Exercisable at December 31, 2013

Vested and expected to vest at December 31, 2013

Weighted
average
remaining
contractual
term 
(in years)

Weighted
average
exercise
price

1.44

5.55

-

-

-

-

-

-

Number
of options

139,250

-

-

-

$

$

$

$

Aggregate
intrinsic
value

$

$

$

$

454

-

-

-

During 2007 and 2008, the Company granted certain executives and other key employees, options to purchase 825,000 ordinary shares and 
100,000 ordinary shares, respectively, with vesting contingent upon meeting various departmental and Company-wide performance goals, 
including revenue growth and net gain index. The options have an exercise price equal to the fair market value of the Company's ordinary 
shares on the date of grant, contingently vest over a period of four years, and are for a term of ten years. The fair value of those options was 
estimated  on  the  date  of  grant  using  the  same  option  valuation  model  used  for  the  other  options  granted.  If  such  goals  are  not  met,  no 
compensation cost is recognized and any recognized compensation cost is reversed. The inputs for expected volatility, expected dividends, 
expected term and risk-free rate used in estimating those options' fair value are the same as those noted in the table related to options issued 
under the Plans.

F-49

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 13:- EQUITY (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The options outstanding as of December 31, 2013, have been separated into ranges of exercise price categories, as follows:

Exercise price

Options
outstanding

Weighted
average
remaining
contractual life
(years)

Weighted
average
exercise price

Options
exercisable

Weighted
average
exercise price
of exercisable
options

In $
0-1
1.01-2
2.01-3
3.01-4
4.01-5
5.01-6

18,000
131,113
179,667
286,800
1,000
86,530

703,110

5.24 $
4.63 $
5.72 $
7.49 $
0.45 $
9.44 $

6.68 $

0.17
1.40
2.29
3.89
4.06
5.95

3.16

18,000 $
131,113 $
179,667 $
286,800 $
1,000 $
1,530 $

461,610 $

-
1.20
2.30
3.89
4.44
5.95

2.36

e. Accumulated other comprehensive income:

Accumulated realized and unrealized gain on available-for-sale securities, net
Accumulated foreign currency translation adjustments
Unrealized gain (loss) on derivative instruments, net

Total other comprehensive income

2011

December 31,
2012

2013

$

$

$

145
(152)
(12)

$

173
(776)
17

(19) $

(586) $

138
(327)
17

(172)

f. On September 4, 2012, the Company's Board of Directors adopted a dividend distribution policy, subject to any applicable law. According
to this policy, each year the Company will distribute a dividend of up to 50% of its annual distributable profits. It is possible that the Board
of  Directors  will  decide,  subject  to  the  conditions  stated  above,  to  declare  additional  dividend  distributions.  The  Company's  Board  of
Directors may at its discretion and at any time, change, whether as a result of a one-time decision or a change in policy, the rate of dividend 
distributions and/or not to distribute a dividend, all at its discretion.

In respect to the policy mentioned above, on September 10, 2012 and on February 14, 2013 , the Company declared a dividend distribution 
of $ 0.10 per share ($ 3,661 in the aggregate) and $ 0.12 per share ($ 4,397 in the aggregate) which were paid on October 17, 2012 and on 
March  14,  2013,  respectively.  on  August  12,  2013  the  Company  declared  a  dividend  distribution  of  $ 0.09  per  share  ($  3,390  in  the 
aggregate) which was paid on September 3, 2013. On February 18, 2014, the Company declared a dividend distribution of $ 0.12 per share 
(see also note 17).

F-50

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 14:- SELECTED STATEMENTS OF INCOME DATA

a.

Research and development costs, net:

Total costs
Less - capitalized software costs

Research and development, net

b.

Financial income (expenses), net:

Interest income net of bank charges
Interest expenses related to liabilities in connection with acquisitions
Interest income from debt instruments
Loss arising from foreign currency translation and other

Financial income(expenses), net

NOTE 15:- COMMITMENTS AND CONTINGENCIES

a.

Lease commitments:

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Year ended December 31,
2012

2013

2011

7,269
(5,222)

$

7,916
(4,969)

$

8,419
(4,713)

2,047

$

2,947

$

3,706

$

397
(112)
67
(131)

$

20
(48)
49
(11)

221

$

10

$

(170)
(407)
46
(153)

(684)

$

$

$

$

Certain  of  the  motor  vehicles,  facilities  and  equipment  of  the  Company  and  its  subsidiaries  are  rented  under  long-term  operating  lease 
agreements. Future minimum lease commitments under non-cancelable operating leases as of December 31, 2013, are as follows:

2014
2015
2016
2017 and thereafter

$

$

1,741
919
815
605

4,080

Rent expenses for the years ended December 31, 2011, 2012 and 2013 were approximately $ 1,733, $ 1,701 and $ 1,911, respectively.

The  Company  leases  motor  vehicles  under  a  cancelable  lease  agreement.  The  Company  has  an  option  to  be  released  from  this  lease 
agreement, which may result in penalties in a maximum amount of $ 214.

The Company currently occupies approximately 57,530 square feet of space based on a lease agreement expiring in December, 2014. The 
Company has an option to terminate the lease agreement in Israel and India upon six months prior written notice.

F-51

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 15:- COMMITMENTS AND CONTINGENCIES (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The aggregated amount of lease commitment for the next 6 months in Israel and India mentioned above is approximately $ 259.

b.

Guarantees and Collaterals:

The Company and certain of its subsidiaries have provided three of their clients with performance bank guarantees totaling $ 163, which are 
linked to the New Israeli Shekels, all of which will be terminated during 2014.

Several of the Company’s subsidiaries have pledged their accounts receivables to a financial institution, with respect to a US dollar loan 
received in 2013 (see also note 11).

c.

From time to time, the Company and/or its subsidiaries are subject to legal, administrative and regulatory proceedings, claims, demands and 
investigations  in  the  ordinary  course  of  business,  including  claims  with  respect  to  intellectual  property,  contracts,  employment  and  other 
matters.  The  Company  accrues  a  liability  when  it  is  both  probable  that  a  liability  has  been  incurred  and  the  amount  of  the  loss  can  be 
reasonably estimated. Significant judgment is required in both the determination of probability and the determination as to whether a loss is 
reasonably  estimable.  These  accruals  are  reviewed  and  adjusted  to  reflect  the  impact  of  negotiations, settlements,  rulings,  advice  of  legal 
counsel and other information and events pertaining to a particular matter.

Lawsuits  have  been  brought  against  the  Company  in  the  ordinary  course  of  business.  The  Company  intends  to  defend  itself  vigorously 
against those lawsuits.

1.

In  August  2009,  a  software  company  and  one  of  its  owners  filed  an  arbitration  proceeding  against  the  Company  and  one  of  its 
subsidiaries, claiming an alleged breach of a non-disclosure agreement between the parties. The plaintiffs are seeking damages in the 
amount  of  approximately  NIS  52  million  (approximately  $ 15  million).  The  arbitrator  determined  that  both  the  Company  and  its 
subsidiary breached the non-disclosure agreement. The closing summaries regarding damages have been submitted, but the arbitrator 
has not yet rendered his ruling..

In  June  2011,  the  plaintiffs  filed  a  motion  to  allow  them  to  amend  the  claim  by  adding  new  causes  of  action  and  increasing  the 
damages  claimed  in  the  lawsuit  by  approximately  additional  NIS  238  million  (approximately  $  68,568)  based  on  new  arguments. 
Following discussions, the arbitrator rejected the motion and determined that if the plaintiffs wish to claim the additional damages 
(and the additional causes of action) they should do so in a separate legal proceeding. To date the plaintiffs did not file an additional 
lawsuit.

F-52

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 15:- COMMITMENTS AND CONTINGENCIES (Cont.)

The Company recorded an accrual to cover damages to be awarded, based on the conclusions of the financial expert opinion that was 
filed by the Company in the arbitration proceedings. At this time, given the multiple uncertainties involved and in large part to the 
highly speculative nature of the damages sought by the plaintiff, which leaves a wide discretion to the arbitrator in quantifying and 
awarding the damages, the Company is unable to estimate the amount of the probable loss, if any, to be recognized or whether the 
accrual will be sufficient to cover the damages that will be awarded..

2.

In  addition  to  the  above  mentioned  legal  proceedings,  the  Company  is  also  involved  in  various  legal  proceedings  arising  in  the 
normal course of its business. Based upon the advice of counsel, the Company does not believe that the ultimate resolution of these 
matters will have a material adverse effect on the Company's consolidated financial position, results of operations or cash flows. 

d.

on December 2013 the Company signed an OEM agreement with SAP for the purchase of certain SAP products to be distributed only to the 
Retail Market, during a period of 2 years. the Company obligation under the agreement is for minimum amount of 220 thousands Euros.

NOTE 16:- NET EARNINGS PER SHARE

The following table sets forth the computation of basic and diluted net earnings per share:

Year ended December 31,
2012

2011

2013

Numerator for basic and diluted earnings per share - net income available to Magic 

shareholders

$

15,044

$

16,183

$

15,880

Weighted average ordinary shares outstanding:

Denominator for basic net earnings per share
Effect of dilutive securities

36,267,739
777,968

36,502,264
605,406

36,835,163
458,753

Denominator for diluted net earnings per share

37,045,707

37,107,670

37,293,916

Basic and diluted earnings per share

$

0.41

$

0.44

$

0.43

F-53

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 17:- SEGMENT GEOGRAPHICAL INFORMATION AND MAJOR CUSTOMERS

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

a.

The Company reports its results on the basis of two reportable business segments: software services (which include proprietary and none 
proprietary software technology) and IT professional services.

The  Company  evaluates  segment  performance  based  on  revenues  and  operating  income  of  each  segment.  The  accounting  policies  of  the 
operating segments are the same as those described in the summary of significant accounting policies. This data is presented in accordance 
with ASC 280, "Segment Reporting."

Headquarters' general and administrative costs have not been allocated between the different segments.

Software services

The Company develops markets, sells and supports a proprietary and none proprietary application platform, software applications, business 
and process integration solutions and related services.

F-54

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 17:- SEGMENT GEOGRAPHICAL INFORMATION AND MAJOR CUSTOMERS (Cont.)

IT professional services

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

The  Company  offers  advanced  and  flexible  IT  services  in  the  areas  of  infrastructure  design  and  delivery,  application  development, 
technology planning and implementation services, communications services and solutions, as well as supplemental staffing services.

There are no significant transactions between the two segments.

b.

The following is information about reported segment results of operation:

2011

Total revenues
Expenses

Segment operating income (loss)

Depreciation and amortization

2012

Total revenues
Expenses

Segment operating income (loss)

Depreciation and amortization

2013

Total revenues
Expenses

Segment operating income (loss)

Depreciation and amortization

Software
services

IT
professional
services

Unallocated
expense

Total

$

$

$

$

$

$

$

$

$

58,137
44,086

14,051

3,837

65,410
50,497

14,913

5,937

67,453
53,164

14,289

5,917

$

$

$

$

$

$

$

$

$

55,191
50,468

4,723

853

60,970
55,456

5,514

1,182

77,505
68,846

8,659

2,210

$

$

$

$

$

$

$

$

$

$

-
4,057

113,328
98,611

(4,057) $

14,717

350

$

5,040

$

-
4,019

126,380
109,972

(4,019) $

16,408

344

$

7,463

$

-
3,821

144,958
125,831

(3,821) $

19,127

253

$

8,380

F-55

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
U.S. dollars in thousands (except share and per share data)

NOTE 17:- SEGMENT GEOGRAPHICAL INFORMATION AND MAJOR CUSTOMERS (Cont.)

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

c.

The  Company's  business  is  divided  into  the  following  geographic  areas:  Israel,  Europe,  the  United  States,  Japan  and  other  regions.  Total 
revenues are attributed to geographic areas based on the location of the customers.

The following table presents total revenues classified according to geographical destination for the years ended December 31, 2011, 2012 
and 2013:

Israel
Europe
United States
Japan
Other

d.

The Company's long-lived assets are located as follows:

Israel
Europe
United States
Japan
Other

Year ended December 31,
2012

2013

2011

$

$

$

7,982
24,351
60,727
12,111
8,157

$

11,561
29,139
64,591
12,661
8,428

24,006
31,386
70,872
11,965
6,729

113,328

$

126,380

$

144,958

December 31,

2012

2013

$

$

$

48,452
2,171
15,459
6,164
3,657

75,903

$

35,465
8,314
23,287
5,180
3,395

75,640

e.

f.

The Company does not allocate its assets to its reportable segments; accordingly, asset information by reportable segments is not presented.

In 2011, 2012 and 2013, the Company had one customer, included in the IT professional services segment, which accounted for 25%, 19% 
and 13% of the group revenues, respectively.

NOTE 18:- SUBSEQUENT EVENTS

On February 18, 2014, the Company declared a dividend distribution of $ 0.12 per share ($ 4,470 in the aggregate) which will be paid on March 14, 
2014. The dividend distribution relates to the Company's earnings in the second half of 2013.

F-56

APPENDIX TO CONSOLIDATED FINANCIAL STATEMENTS

Details of the percentage of control of the share capital and voting rights of subsidiaries and an affiliate as of December 31, 2013:

DETAILS OF SUBSIDIARIES AND AFFILIATE

MAGIC SOFTWARE ENTERPRISES LTD.
AND ITS SUBSIDIARIES

Name of Company

Magic Software Japan K.K.
Magic Software Enterprises Inc.
Magic Software Enterprises (UK) Ltd.
Hermes Logistics Technologies Limited.
Magic Software Enterprises Spain Ltd.
Coretech Consulting Group Inc.
Coretech Consulting Group LLC.
Fusion Solutions LLC.
Xsell Resources Inc.
Magic Software Enterprises (Israel) Ltd.
Magic Software Enterprises Netherlands B.V.
Magic Software Enterprises France
Magic Beheer B.V.
Magic Benelux B.V.
Magic Software Enterprises GMBH
Magic Software Enterprises India Pvt. Ltd.
Onyx Magyarorszag Szsoftverhaz .
Magix Integration (Proprietary) Ltd
Appbuilder Solutions Ltd
Complete Business Solutions Ltd
Comm-IT Technology Solutions Ltd
Comm-IT Software Ltd
Comm-IT Embedded Ltd (shares held by Comm-IT Technology Solutions Ltd.
Pilat (North America), Inc
Pilat Europe Ltd
Valinor Ltd
Dario Solutions IT Ltd
BridgeQuest Labs, Inc
BridgeQuest, Inc
Allstates Consulting Services LLC

- - - - - - - - - - - -

F-57

Percentage of ownership
and control
%

Place of incorporation

100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
96.3
80
80
51
100
100
80
80
100
100
100

Japan
U.S.A.
U.K.
U.K.
Spain
U.S.A
U.S.A
U.S.A
U.S.A
Israel
Netherlands
France
Netherlands
Netherlands
Germany
India
Hungary
South Africa
U.K.
Israel
Israel
Israel
Israel
U.S.A
U.K.
Israel
Israel
U.S.A
U.S.A
U.S.A

F-58

F-59

F-60

F-61

The registrant hereby certifies that it meets all of the requirements for filing on Form 20-F and that it has duly caused and authorized the undersigned to 

sign this annual report on its behalf.

SIGNATURES

Dated: February 21, 2014

MAGIC SOFTWARE ENTERPRISES LTD.

By:

/s/Guy Bernstein
Name:  Guy Bernstein 
Title:

Chief Executive Officer

94

The following table sets forth the legal name, location and country of incorporation and percentage ownership of each of the registrant’s subsidiaries and 

affiliated companies as of December 31, 2013:

List of Subsidiaries and Affiliates of the Registrant 

Exhibit 8.1

Subsidiary Name
Magic Software Japan K.K
Magic Software Enterprises Inc.
Magic Software Enterprises (UK) Ltd .
Hermes Logistics Technologies Limited
Magic Software Enterprises Spain Ltd
Coretech Consulting Group, Inc.
Coretech Consulting Group LLC
Magic Software Enterprises (Israel) Ltd
Magic Software Enterprises Netherlands B.V
Magic Software Enterprises France .
Magic Beheer B.V
Magic Benelux B.V
Magic Software Enterprises GMBH
Magic Software Enterprises India Pvt. Ltd
Onyx Magyarorszag Szsoftverhaz
Fusion Solutions LLC.
Xsell Resources Inc.
Magix Integration (Proprietary) Ltd
Complete Business Solutions Ltd
AppBuilder Solutions UK
Comm-IT Technology Solutions Ltd
CommIT Software Ltd (shares held by Comm-IT Technology Solutions Ltd.)
CommIT Embedded Ltd (shares held by Comm-IT Technology Solutions Ltd.)
Valinor Ltd. (shares held by Comm-IT Technology Solutions Ltd.)
Dario Solutions IT Ltd (shares held by Comm-IT Technology Solutions Ltd.)
Pilat Europe Ltd
Pilat (North America), Inc.
BridgeQuest Labs, Inc.
BridgeQuest, Inc.
Allstates Consulting Services LLC

Country of
Incorporation
Japan
Delaware
United Kingdom
United Kingdom
Spain
Pennsylvania
Delaware
Israel
Netherlands
France
Netherlands
Netherlands
Germany
India
Hungary
Delaware
Pennsylvania
South Africa
Israel
United Kingdom
Israel
Israel
Israel
Israel
Israel
United Kingdom
New Jersey
North Carolina
North Carolina
Delaware

Ownership 
Percentage

100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
96.3%
100%
80%
100%
51%
100%
100%
100%
100%
100%
100%
100%

CERTIFICATION OF CHIEF EXECUTIVE OFFICER 

Pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as amended.

Exhibit 12.1

I, Guy Bernstein, certify that:

1. I have reviewed this annual report on Form 20-F of Magic Software Enterprises Ltd.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the

statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the

financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report;

4.  The  company’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and  procedures  (as  defined  in
Exchange Act Rules 13(a)-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the 
company and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure
that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during
the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision,
to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with
generally accepted accounting principles;

(c) Evaluated the effectiveness of the company’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness

of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the company’s internal control over financial reporting that occurred during the period covered by the annual

report that has materially affected, or is reasonably likely to materially affect, the company’s internal control over financial reporting; and

5. The company’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the

company’s auditors and the audit committee of the company’s board of directors (or persons performing the equivalent function):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely

to adversely affect the company’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the company’s internal control over 

financial reporting.

Date: February 21, 2014

* The originally executed copy of this Certification will be maintained at the Company’s offices and will be made available for inspection upon request.

/s/Guy Bernstein
Guy Bernstein*
Chief Executive Officer

CERTIFICATION OF CHIEF FINANCIAL OFFICER 

Pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as amended.

Exhibit 12.2

I, Asaf Berenstin, certify that:

1. I have reviewed this annual report on Form 20-F of Magic Software Enterprises Ltd.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the

statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the

financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report;

4.  The  company’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and  procedures  (as  defined  in
Exchange Act Rules 13(a)-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the 
company and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure
that material information relating to the company, including its consolidated Subsidiaries, is made known to us by others within those entities, particularly during
the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision,
to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with
generally accepted accounting principles;

(c) Evaluated the effectiveness of the company’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness

of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the company’s internal control over financial reporting that occurred during the period covered by the annual

report that has materially affected, or is reasonably likely to materially affect, the company’s internal control over financial reporting; and

5. The company’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the

company’s auditors and the audit committee of the company’s board of directors (or persons performing the equivalent function):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely

to adversely affect the company’s ability to record, process, summarize and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the company’s internal control over 

financial reporting

Date: February 21, 2014

*The originally executed copy of this Certification will be maintained at the Company’s offices and will be made available for inspection upon request.

/s/Asaf Berenstin
Asaf Berenstin*
Chief Financial Officer

CERTIFICATION PURSUANT TO 

18 U.S.C. SECTION 1350

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 13.1

In connection with the Annual Report of Magic Software Enterprises Ltd. (the “Company”) on Form 20-F for the period ending December 31, 2013 as 

filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Guy Bernstein, Chief Executive Officer of the Company, certify, 
pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.

February 21, 2014

* The originally executed copy of this Certification will be maintained at the Company’s offices and will be made available for inspection upon request.

/s/Guy Bernstein 
Guy Bernstein*
Chief Executive Officer

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 13.2

In connection with the Annual Report of Magic Software Enterprises Ltd. (the “Company”) on Form 20-F for the period ending December 31, 2013 as
filed  with  the  Securities  and  Exchange  Commission  on  the  date  hereof  (the  “Report”),  I,  Asaf  Berenstin,  Chief  Financial  Officer  of  the  Company,  certify,
pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.

February 21, 2014

* The originally executed copy of this Certification will be maintained at the Company’s offices and will be made available for inspection upon request.

/s/Asaf Berenstin
Asaf Berenstin*
Chief Financial Officer

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in the Registration Statement on Form F-3 (File No. 333-192241) and in the Registration Statements on 

Form S-8 (File Nos. 333-13270, 333-113552, 333-132221 and 333-149553) of Magic Software Enterprises Ltd. (the “Company”), of our reports dated February 
21, 2014 with respect to the consolidated financial statements of the Company and its subsidiaries and the effectiveness of the internal control over financial 
reporting of the Company and its subsidiaries included in this Annual Report on Form 20-F for the year ended December 31, 2013.

Exhibit 15.1

/s/Kost Forer Gabbay & Kasierer

KOST FORER GABBAY & KASIERER

A Member of Ernst & Young Global

Tel Aviv, Israel
February 21, 2014

CONSENT OF INDEPENDENT AUDITORS

Exhibit 15.2

We consent to the incorporation by reference in the Registration Statement on Form F-3 (File No. 333-192241) and in the Registration Statements on 

Form S-8 (File Nos. 333-13270, 333-113552, 333-132221 and 333-149553) of Magic Software Enterprises Ltd., of our report dated February 10, 2014, with 
respect to the financial statements of Magic Software Enterprises UK Limited as of December 31, 2013 which report appears in the Annual Report on Form 20-F 
of Magic Software Enterprises Ltd. for the year ended December 31, 2013.

Yours sincerely,

LEVY COHEN & CO.

/s/Levy Cohen & Co.

Registered Auditors and Certified
Public Accountants

London, England
February 19, 2014

CONSENT OF INDEPENDENT AUDITORS

Exhibit 15.3

We consent to the incorporation by reference in the Registration Statement on Form F-3 (File No. 333-192241) and in the Registration Statements on 

Form S-8 (File Nos. 333-13270, 333-113552, 333-132221 and 333-149553) of Magic Software Enterprises Ltd., of our report dated February 10, 2014, with 
respect to the financial statements of Hermes Logistics Technologies Limited as of December 31, 2013, which report appears in the Annual Report on Form 20-F 
of Magic Software Enterprises Ltd. for the year ended December 31, 2013.

Yours sincerely,

LEVY COHEN & CO.

/s/Levy Cohen & Co.

Registered Auditors and Certified
Public Accountants

London, England
February 19, 2014

CONSENT OF INDEPENDENT AUDITORS

Exhibit 15.4

We consent to the incorporation by reference in the Registration Statement on Form F-3 (File No. 333-192241) and in the Registration Statements on 

Form S-8 (File Nos. 333-13270, 333-113552, 333-132221 and 333-149553) of Magic Software Enterprises Ltd., of our report dated February 6, 2014, with 
respect to the financial statements of Pilat Europe Limited as of December 31, 2013, which report appears in the Annual Report on Form 20-F of Magic Software 
Enterprises Ltd. for the year ended December 31, 2013.

Yours sincerely,

LEVY COHEN & CO.

/s/Levy Cohen & Co.

Registered Auditors and Certified
Public Accountants

London, England
February 19, 2014

CONSENT OF INDEPENDENT AUDITORS

Exhibit 15.5

We consent to the incorporation by reference in the Registration Statement on Form F-3 (File No. 333-192241) and in the Registration Statements on 

Form S-8 (File Nos. 333-13270, 333-113552, 333-132221 and 333-149553) of Magic Software Enterprises Ltd., of our report dated January 30, 2014, with 
respect to the financial statements of Magic Software Japan K.K as of December 31, 2013, which report appears in the Annual Report on Form 20-F of Magic 
Software Enterprises Ltd. for the year ended December 31, 2013.

Tokyo, Japan
February 19, 2014

/s/KDA Audit Corporation
KDA Audit Corporation
Registered Auditors