Electronic Participation - Capitec Annual General Meeting Capitec Bank Holdings Limited Registration number 1999/025903/06 Registered bank controlling company Incorporated in the Republic of South Africa JSE ordinary share code: CPI ISIN code: ZAE000035861 JSE preference share code: CPIP ISIN code: ZAE000083838 ("Capitec" or "the company") ELECTRONIC PARTICIPATION - CAPITEC ANNUAL GENERAL MEETING (“AGM”) Shareholders are hereby advised that the AGM to be held on Friday, 29 May 2020, at 14:30 will be held by electronic participation only. Accordingly, shareholders will be able to participate in and vote on the proposed resolutions during the AGM through electronic participation. Shareholders can access an online registration portal to register for electronic participation in the AGM (“the online portal”) by following the link: https://smartagm.co.za/ Alternatively, shareholders can follow the following directions as set out in the notice of the AGM dated 29 April 2020 to attend the AGM: 1. All shareholders, whether they hold their shares in certificated format or in dematerialised format, or their validly appointed proxies, who wish to attend the AGM must complete Form C included in the notice of the AGM. The notice of the AGM is available on Capitec’s website and can be accessed by following the link: https://www.capitecbank.co.za/globalassets/pages/investor- relations/shareholder-centre/notice_of_2020_AGM 2. All shareholders must carefully read the instructions on page 9 of the notice of the AGM headed “Notes to the notice of the annual general meeting” and the instructions on Form C included in the said notice. In summary: 2.1 certificated shareholders and dematerialised shareholders with “own-name” registration must complete Form C and email Form C together with a copy of the share certificate (if applicable) and proof of identification to proxy@computershare.co.za by no later than 14:30 on 27 May 2020. Representatives of legal entities should follow the same process and provide the required documentation in terms of authority and identification; and 2.2 dematerialised shareholders without “own-name” registration who wish to attend the AGM electronically must request their CSDP or stockbroker to provide them with the necessary letter of representation in accordance with the relevant custody agreement (“the LOR”). The LOR, together with a certified copy of proof of identification, must be submitted with the completed Form C by email to proxy@computershare.co.za by no later than 14:30 on 27 May 2020. Shareholders who have followed the directions above and have submitted Form C, together with the required documentation, or have registered via the online portal, will receive, at their contact email address/cell number provided in Form C/the online portal, by no later than 8:00 am on Friday, 29 May 2020, the requisite online shareholders’ user guide from Computershare together with a web-link to participate electronically and to access the voting platform. The date on which shareholders must be recorded as such in the share register to be eligible to vote at the AGM will be Friday, 22 May 2020 with the last day to trade being Tuesday, 19 May 2020. 20 May 2020 Stellenbosch Sponsor PSG Capital Date: 20-05-2020 10:00:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.