Dispatch of Capitec integrated annual report, notice of annual general meeting and no change announcement Capitec Bank Holdings Limited (Incorporated in the Republic of South Africa) (Registration number 1999/025903/06) (JSE share code: CPI & ISIN : ZAE000035861 and CPIP : ISIN : ZAE000083838) ("Capitec" or "the company") DISPATCH OF CAPITEC INTEGRATED ANNUAL REPORT, NOTICE OF ANNUAL GENERAL MEETING AND NO CHANGE ANNOUNCEMENT Shareholders are advised that the integrated annual report for the year ended 28 February 2013 containing the audited annual financial statements of the company (“Capitec 2013 integrated report”) as well as the notice of the annual general meeting of the company are being dispatched to shareholders today, 2 May 2013. There have been no modifications to the audited results which were announced on SENS on Wednesday, 27 March 2013. An abridged report will therefore not be published. The Capitec 2013 integrated report is also available on the Capitec Bank website at www.capitecbank.co.za. NOTICE OF ANNUAL GENERAL MEETING Notice is hereby given that the 2013 annual general meeting of the shareholders of Capitec will be held at Stellenrust Wine Estate (in the banqueting hall), Stellenrust Road, R44, Stellenbosch (GPS coordinates: S33 59’ 18.0 E18 50’ 57.9) on Friday, 31 May 2013, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2013 annual general meeting of Capitec is also available on the Capitec Bank website at www.capitecbank.co.za/investor relations/shareholder centre. The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2013 annual general meeting will be Friday, 24 May 2013, with the last day to trade being Friday, 17 May 2013. 2 May 2013 Stellenbosch Sponsor PSG Capital (Pty) Limited Date: 02/05/2013 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.