nReach Capitis SPV Issuer

Listed on the Cape Town Stock Exchange

Investment Mandate

Fixed Rate Notes : The Notes will bear interest at the Fixed Interest Rate (nominal annual compounded annually) equal to
11.84% per annum for the period from and including the Interest Commencement Date to but excluding the Redemption Date.

The Final Redemption Amount will be the aggregate Outstanding Principal Amount of this Tranche of Notes plus interest accrued to the Maturity Date.

“nReach Capitis Proprietary Limited website address :”

Programme Memorandum

Applicable Pricing Supplement 4NR001

Series 1

Series 2

This Memorandum of Incorporation