from 10-Q 134 pages 1 Execution Dated 24 January, 2022 Between Cash Connect Management Solutions Proprietary Limited (As Borrower) Arranged by Firstrand Bank Limited (Acting Through Its Rand Merchant Bank Division) (As Mandated Lead Arranger) and Firstrand Bank Limited (Acting Through Its Rand Merchant Bank Division) (As Facility Agent) 2 Contents Clause Page

from 10-Q 9 pages 1 To: Cash Connect Management Solutions Proprietary Limited 4 Harris Road Sandton Johannesburg Gauteng, 2196 Email: XXX Attention: Steven Heilbron From: Firstrand Bank Limited (Acting Through Its Rand Merchant Bank Division) (In Its Capacity as Facility Agent Under the Facilities Agreement (Defined Below)) 22 March, 2022 Dear Sirs, Cash Connect Management Solutions Proprietary Limited Facilities Agreement 1. Background 1.1 We Refer To: 1.1.1 the Facilities Agreement (The Company ) (The Facilities Agreement ); 1.1.2 the 2022 (The Gbf Agreement ), (The Facilities Agreement and Gbf Agreement, Each a Relevant Finance Document ) 1.2 This Letter Is Supplemental and Waivers) of the Facilities Agreement and Clause 17 (Miscellaneous) of the Gbf Agreement. 2. Interpretation 2.1 Capitalised Terms as References to This Letter. 2.3 in This Letter, Effective Date Means the Date on Which This Letter Has Been Signed by All Parties to It. 3. Amendments 3.1 Each

from 10-Q 7 pages 1 To: Cash Connect Management Solutions Proprietary Limited 4 Harris Road Sandton Johannesburg Gauteng, 2196 Email: XXX Attention: Steven Heilbron From: Firstrand Bank Limited (Acting Through Its Rand Merchant Bank Division) (In Its Capacity as Facility Agent Under the Facilities Agreement (Defined Below)) 12 April, 2022 Dear Sirs, Cash Connect Management Solutions Proprietary Limited Facilities Agreement 1. Background 1.1 We 2022 (The Company ) 2022 (The Facilities Agreement ): 1.2 This Letter Is Supplemental and Waivers) of the Facilities Agreement. 2. Interpretation 2.1 Capitalised Terms as References to This Letter. 2.3 in This Letter, Effective Date Means the Date on Which This Letter Has Been Signed by All Parties to It. 3. Amendments the Entirety and Replaced With the Following New Clause 1.1.14: "1.1.14 Availability Period Means, in Relation to a Term Facility, the Period From and Including the Closing Date to and Including 6 May, 2022." 4. Reinstatement of Commitment the Facilities Agreement Is Reinstated on the Effective Date. 5. Representations Each Obligor

from 10-Q 11 pages 1 Securities Purchase Agreement Securities Purchase Agreement (The “ Agreement ”), Among Net1 UEPS Technologies, Inc. , “ Company ”), Net1 Applied Technologies South Africa Proprietary Limited , a Private Company Incorporated in the Republic of South Africa (“ Net1 SA ”), and Value Capital Partners Proprietary Limited , a South Africa (“ Vcp ”), For

from 10-Q 2 pages Management certification of annual or quarterly disclosure

from 10-Q 2 pages Management certification of annual or quarterly disclosure

from 10-Q 2 pages Management certification of financial report

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