Capitec Bank : Notice of 2022 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")

NOTICE OF 2022 ANNUAL GENERAL MEETING ("AGM")

Shareholders are advised that the notice of the 2022 Capitec AGM ("Notice")has been published and is available on the Company's website athttps://www.capitecbank.co.za/globalassets/pages/investor-relations/shareholder-centre/notice_of_agm_2022.pdf.

will be

27 May 2022, at 2.30 pm to transact the business as set out in the Notice and, if deemed fit, to pass, with or without modification, the ordinary and special resolutions set out in the Notice.

Kindly note the following salient details:

5 Neutron Road, Techno Park,

The AGM will communication.

beconductedinpersonandviaelectronicYou will need an internet-enabled smartphone, tablet or computer. Please ensure that your device's browser has the latest version of Chrome, Safari, Edge or Firefox.

Registration

• 1. Shareholders who wish to attend the AGM (both in person or via electronic communication are requested to register on the Online Portal (by following the link:https://meetnow.global/ZA) by no later than 2.30 pm on Wednesday, 25 May 2022. Shareholders can also register by making a written application toproxy@computershare.co.za, in order for Computershare Investor Services Proprietary Limited

  ("Transfer Secretary") to, inter alia, arrange such shareholder participation.

• 2. Shareholders may, however, still register via the Online Portal to participate in, and/or vote electronically at, the AGM after this date, provided that such shareholders have been verified and registered prior to exercising any rights at the AGM.

• 3. Shareholders who wish to attend the AGM in person, and who have not registered online, could register at the venue from 1.30 pm to 2.15 pm.

• 4. The following documents will be required to be uploaded via the Online Portal as part of the registration process:

  • (i) Proof of identity (i.e. valid green barcoded identity document or barcoded identification smart card, South African driver's licence or passport)

  • (ii) Authority, if acting in a representative capacity

  (iii)In the case of dematerialised shareholders without "own-name" registration who wish to attend the AGM electronically, such shareholders must request their central securities depository participant("CSDP") or stockbroker to provide them with the necessary letter of representation ("LOR").

Electronic attendance at the AGM

Once registered in accordance with the instructions above, shareholders attending via electronic communication will be required to connect to the AGM throughhttps://meetnow.global/ZA and follow the relevant prompts.

Shareholders are referred to the "Electronic Participation Meeting Guide" included in the Notice for further instructions.

The Transfer Secretary will by no later than 5 pm on Thursday, 26 May 2022, notify eligible shareholders of the invitation code through which they can participate electronically in and/or vote at the AGM.

Voting at the AGM

Shareholders attending the AGM in-person and who wish to vote thereat must ensure that they bring along an internet-enabled smartphone, tablet or computer in order to be able to vote at the venue.

The Transfer Secretary will by no later than 5 pm on Thursday, 26 May 2022, notify shareholders that have registered via the Online Portal of the invitation code through which such shareholders can vote at the AGM.

Although voting will be permittedby waycommunication, shareholders are encouraged votes by proxy in advance of the AGM.

toof electronic submit their

Kindly see the Notice for further details registration, participation and voting at the AGM.

regarding

26 April 2022

Stellenbosch

Sponsor

PSG Capital