New Instrument Listing - CBL20 Capitec Bank Limited (Incorporated in the Republic of South Africa) (Registration No. 1980/003695/06) Company code: BICAP (Capitec Bank) LISTING OF NEW FINANCIAL INSTRUMENT The JSE Limited has granted Capitec Bank the listing of its CBL20 notes in terms of its R8,000,000,000 Domestic Medium Term Note Programme dated 25 April 2008. INSTRUMENT TYPE: Subordinated floating rate notes Total notes in issue: R5,475,000,000 as at the issue date excluding this issuance Instrument code: CBL20 Nominal issued: R572,000,000 Issue price: 100.00% Interest rate: 9.615% (3 month Jibar as at 12 December 2012 of 5.125% + 4.49%) Coupon rate indicator: Floating rate Issue date: 14 December 2012 Interest commencement date: 14 December 2012 Redemption Date: 14 December 2019 Last day to register: By 17h00 on 8 March, 8 June, 8 September and 8 December of each year until the Redemption Date Books close: 9 March, 9 June, 9 September and 9 December of each year until the Redemption Date Interest payment dates: 14 March, 14 June, 14 September and 14 December of each year until the Redemption Date ISIN: ZAG000102245 Business day convention: Following business day The Notes will be immobilised in the Central Securities Depository (CSD) and settlement will take place electronically in terms of JSE Limited rules. 13 December 2012 Debt Sponsor Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 13/12/2012 12:30:00 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.