National Credit Regulator Notice 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") Capitec Bank Limited (Incorporated in the Republic of South Africa) (Registration No. 1980/003695/06) Company code: BICAP (“Capitec Bank” or “the Bank”) NATIONAL CREDIT REGULATOR NOTICE On 27 March 2013 our results for the year ended 28 February 2013 were published containing the following note: “CONTINGENT LIABILITY On 22 February 2013 a notice was received from the National Credit Regulator (“NCR”), alleging contraventions of the National Credit Act 34 of 2005 (“the Act”) including in relation to initiation fees charged on one product. It is not practicable to estimate its financial effect or the amount of any possible outflow. The Bank has investigated the allegations and has taken legal advice, and believes the matter will be satisfactorily resolved through due process.” On 28 May 2013 a notice was received from the NCR referring the matter to the National Consumer Tribunal. It remains impracticable to estimate its financial effect or the amount of any possible outflow, and the Bank remains of the view that the matter will be satisfactorily resolved through due process, which has now commenced. 30 May 2013 Stellenbosch Sponsor PSG Capital (Pty) Limited Date: 30/05/2013 02:25:00 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.