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 2023 ANNUAL GENERAL MEETING (“AGM”)

Shareholders are advised that the notice of the 2023 Capitec
AGM (“Notice”)has been published and is available on the
Company’s website at
https://www.capitecbank.co.za/globalassets/pages/investor-
relations/shareholder-centre/agm-2022/notice-of-agm_2023.pdf

Notice is hereby given that the AGM will be held at the Company’s
head office at 5 Neutron Road, Techno Park, Stellenbosch and via
electronic           communication           on           Friday,
26 May 2023, 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:

 Issuer name                        Capitec Bank Holdings Limited
 Type of instrument                               Ordinary shares
 ISIN number                                         ZAE000035861
 JSE code                                                     CPI
 Meeting type                              Annual General Meeting
 Meeting venue                       5 Neutron Road, Techno Park,
                                             Stellenbosch and via
                                         electronic communication
 Record date – to determine                 Friday, 14 April 2023
 which shareholders are
 entitled to receive the notice
 of meeting
 Publication/posting date                    Tuesday, 25 April 2023
 Last day to trade to determine                Tuesday, 16 May 2023
 eligible shareholders that may
 attend, speak and vote at the
 meeting
 Record   date   to    determine                Friday, 19 May 2023
 eligible shareholders that may
 attend, speak and vote at the
 meeting
 Deadline, for administrative          2:30pm on Wednesday, 24 May 2023
 purposes, to lodge the form of
 Proxy
 Meeting date                             2:30pm on Friday, 26 May 2023
 Publication of results                             Monday, 29 May 2023
 Website link                          https://www.capitecbank.co.za/in
                                          vestor-relations/shareholder-
                                                                centre/


Directions for registration, participation and voting at the AGM

The AGM will     be   conducted   in   person   and   via   electronic
communication.

You 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, 24 May 2023. Shareholders can also register by
   making a written application to proxy@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 through
https://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,
25 May 2023, 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,
25 May 2023, 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 permitted by way of electronic
communication, shareholders are encouraged to submit their votes
by proxy in advance of the AGM.

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

25 April 2023
Stellenbosch

Sponsor
PSG Capital