Acceptance Of Options Granted In Terms Of A Share Incentive Scheme And Dealing In Securities CAPITEC BANK HOLDINGS LIMITED Incorporated in the Republic of South Africa (Registration number: 1999/025903/06) Registered bank controlling company Share Code: CPI ISIN Number: ZAE000035861 ACCEPTANCE BY A DIRECTOR, THE COMPANY SECRETARY AND A PRESCRIBED OFFICER OF OPTIONS GRANTED IN TERMS OF A SHARE INCENTIVE SCHEME AND DEALING IN SECURITIES BY A DIRECTOR AND ASSOCIATES OF A DIRECTOR In compliance with paragraphs 3.63 to 3.74 of the JSE Limited Listings Requirements, the following information, relating to the acceptance of options by a director, the company secretary and a prescribed officer, granted in terms of a share incentive scheme, and the dealing in securities by a director and associates of a director are disclosed: 1. NAME OF DIRECTOR NS Mashiya COMPANY OF WHICH HE IS A Capitec Bank Holdings Limited DIRECTOR STATUS: EXECUTIVE/NON-EXECUTIVE Executive Director TYPE OF SECURITIES Options to subscribe for ordinary shares in the share capital of Capitec Bank Holdings Limited CLASS OF SECURITIES Ordinary DATE OF ACCEPTANCE 24 November 2020 OPTION STRIKE PRICE R908.58 NUMBER OF OPTIONS GRANTED 6 287 TOTAL DEEMED RAND VALUE OF R5 712 242.46 SECURITIES STRIKE DATES OF OPTIONS 1 October in each of 2023, 2024, 2025 and 2026 PERIOD OF EXERCISE The options mature in tranches of 25% each and participants have a six month period from the respective strike dates during which options can be exercised. NATURE OF TRANSACTION Acceptance of options granted (off-market transaction) NATURE AND EXTENT OF THE Direct, beneficial DIRECTOR’S INTEREST IN THE TRANSACTION 2. NAME OF PRESCRIBED OFFICER KR Kumbier COMPANY OF WHICH HE IS A Capitec Bank Holdings Limited PRESCRIBED OFFICER TYPE OF SECURITIES Options to subscribe for ordinary shares in the share capital of Capitec Bank Holdings Limited CLASS OF SECURITIES Ordinary DATE OF ACCEPTANCE 24 November 2020 OPTION STRIKE PRICE R1 006.83 NUMBER OF OPTIONS GRANTED 18 263 TOTAL DEEMED RAND VALUE OF R18 387 736.29 SECURITIES STRIKE DATES OF OPTIONS 20 October in each of 2023, 2024, 2025 and 2026 PERIOD OF EXERCISE The options mature in tranches of 25% each and participants have a six month period from the respective strike dates during which options can be exercised. NATURE OF TRANSACTION Acceptance of options granted (off-market transaction) NATURE AND EXTENT OF THE Direct, beneficial PRESCRIBED OFFICER’S INTEREST IN THE TRANSACTION 3. NAME OF COMPANY SECRETARY YM Mouton COMPANY OF WHICH SHE IS THE Capitec Bank Holdings Limited COMPANY SECRETARY TYPE OF SECURITIES Options to subscribe for ordinary shares in the share capital of Capitec Bank Holdings Limited CLASS OF SECURITIES Ordinary DATE OF ACCEPTANCE 24 November 2020 OPTION STRIKE PRICE 911.63 NUMBER OF OPTIONS GRANTED 803 TOTAL DEEMED RAND VALUE OF R732 038.89 SECURITIES STRIKE DATES OF OPTIONS 28 September in each of 2023, 2024, 2025 and 2026 PERIOD OF EXERCISE The options mature in tranches of 25% each and participants have a six month period from the respective strike dates during which options can be exercised. NATURE OF TRANSACTION Acceptance of options granted (off-market transaction) NATURE AND EXTENT OF THE Direct, beneficial COMPANY SECRETARY’S INTEREST IN THE TRANSACTION 4. NAME OF DIRECTOR PJ Mouton COMPANY OF WHICH HE IS A Capitec Bank Holdings Limited DIRECTOR STATUS: EXECUTIVE/NON-EXECUTIVE Non-Executive Director NATURE OF TRANSACTIONS Disposal of shares by a director (on-market transactions) TYPE AND CLASS OF SECURITIES Ordinary Shares DATES OF TRANSACTIONS 20 November 2020 (1) 23 November 2020 (2) NUMBER OF SECURITIES TRANSACTED 6 519 (1) 1 061 (2) PRICE PER SECURITY (RAND) R1 340.00 (min) (1) R1 342.15 (max) R1 341.81 (ave) R1 313.00 (2) TOTAL RAND VALUE OF SECURITIES R8 747 235.40 (1) TRANSACTED R1 393 093.00 (2) NATURE AND EXTENT OF THE Direct, beneficial (1-2) DIRECTOR’S INTEREST IN THE TRANSACTIONS 5. NAME OF DIRECTOR PJ Mouton COMPANY OF WHICH HE IS A Capitec Bank Holdings Limited DIRECTOR STATUS: EXECUTIVE/NON-EXECUTIVE Non-Executive Director NATURE OF TRANSACTIONS Disposal of shares by associates of a director (on- market transactions) CLASS AND TYPE OF SECURITIES Ordinary shares DATES OF TRANSACTIONS 20 November 2020 (1) 23 November 2020 (2) NUMBER OF SECURITIES TRANSACTED 12 540 (1) 24 142 (2) PRICE PER SECURITY (RAND) R1 344.00 (min) (1) R1 368.00 (max) R1 357.80 (ave) R1 300.00 (min) (2) R1 320.00 (max) R1 310.55 (ave) TOTAL RAND VALUE OF SECURITIES R17 026 760.00 (1) TRANSACTED R31 639 291.99 (2) NAMES OF ASSOCIATES Die Piet Mouton Trust (1) Jufrapi Investments Pty Ltd (2) RELATIONSHIPS WITH DIRECTOR Director is a trustee and (1) beneficiary of the associate The director is a director of (2) the associate and a trustee and discretionary beneficiary of a shareholder in the associate NATURE AND EXTENT OF INTEREST Indirect, beneficial (1-2) IN THE TRANSACTIONS Rationale for the above trades listed under items 4 and 5 The proceeds will be used to settle debt of the director / associate. Clearance to accept these options and to deal in the securities was obtained in accordance with paragraph 3.66 of the JSE Limited Listings Requirements. 25 November 2020 Stellenbosch Sponsor PSG Capital Date: 25-11-2020 04:30:00 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.