Financial Institutions (Agent Banking) Regulations, 2024

LESOTHO
Government Gazette
Vol. 69 Friday – 19th April, 2024 No. 27 coNteNts No. Page legAl Notices
30 Financial institutions (Agent Banking)............................................ 603
Regulations, 2024
31 Money laundering (Preservation order) Notice, 2024 ................... 626
Published by the Authority of His Majesty the King Price: M47.00

legAl Notice No. 30 oF 2024
Financial Institutions (Agent Banking) Regulations, 2024 Arrangement of Regulations Regulation
PARt i - PReliMiNARY

citation and commencement
interpretation
Application
objectives
PARt ii - APPlicAtioN FoR AgeNt BANKiNg
Assessment of agents
eligible entities
Application for a licence as an agent
Validity of a license
Permissible and prohibited activities for agents
PARt iii - AgeNcY coNtRAct
Agency contract
Non-exclusivity
termination of agency contract
PARt iV - DUties AND ResPoNsiBilities
obligations of a bank
Risk management
settlement of transactions by agents
Anti-money laundering and combating the financing of terrorism
consumer protection
Reporting requirements
supervisory actions and penalties by the commissioner
transitional provisions
Repeal

scHeDUles
schedule 1
schedule 2

legAl Notice No. 30 oF 2024
Financial Institutions (Agent Banking) Regulations, 2024 Pursuant to section 71(1) of the Financial institutions Act, 2012 , the ceNtRAl BANK oF lesotHo being the commissioner of Financial institutions, makes the following regulations -
PARt i - PReliMiNARY
Citation and commencement

these Regulations may be cited as the Financial institutions (Agent
Banking) Regulations, 2024 and shall come into operation on the date of publication in the gazette. Interpretation
(1) in these Regulations,
“Act” means the Financial institutions Act, 2012; “agent” means an entity contracted by a bank and licensed by the commissioner, to provide banking services on behalf of the bank in accordance with the Act and these Regulations; “agent banking” means the provision of banking services to customers by an agent on behalf of a bank as approved by the commissioner; “agency contract” means a contract between a bank and an agent; “bank” has the meaning ascribed to it under the Act; “outlet” means a place of business of an agent;

“principal” in relation to an agent, means a bank that appoints that agent; “real time” means the electronic processing of transactional data instantaneously upon data entry or receipt of command; and “secure premises” means a physical establishment, house, building or any other structure from which a banking business may be conducted. (2) All other words used have the same meaning ascribed to them under the Act. Application
3. these Regulations apply to all banks and agents approved and licensed
under the Act.
Objectives
4. the objectives of these Regulations are to -
(a) provide for the use of an agent by a bank as a cost-effective delivery channel for specific banking services and in a manner that promotes safety and soundness of the financial sector; (b) facilitate and foster financial inclusion in lesotho; (c) prescribe the activities which can be carried out by an agent; and (d) establish minimum standards for data and security, consumer protection and risk management in the provision of services by agents on behalf of a bank.

PARt ii - APPlicAtioN FoR AgeNt BANKiNg
Assessment of agents
5. A bank shall:
(a) assess the suitability of a potential agent and ensure the accuracy of the information it provided before applying to the commissioner; and (b) have clearly documented agent due diligence policies and procedures that contain - (i) methods of identifying and selecting potential agents; (ii) initial and regular due diligence checks; (iii) customer protection measures, including awareness and education strategies; (iv) a list of early warning signals; and (v) corrective actions to ensure proactive agent management. Eligible entities
6. (1) A bank may appoint the following entities as agents -
(a) a sole proprietorship;
(b) a partnership;
(c) a company;
(d) a state-owned enterprise;
(e) a cooperative society;

(f) an educational institution; or
(g) any other entity approved by the commissioner.
(2) A bank shall not appoint as agent, an entity unless the entity has - (a) a bank or transactional account with an institution licensed by the commissioner; (b) a certificate of incorporation in a case of a company; (c) beneficial ownership information; (d) a valid business licence; (e) a physical address and location in lesotho; (f) a telephone number and working hours; (g) secure premises; (h) credit obligations that are not classified as non-performing by credit providers in lesotho or elsewhere; (i) audited financial statements for each of the preceding two years for businesses that are already operational; (j) projected financial statements for the next two years for start-up businesses; (k) evidence of availability of funds to cover its agency operations such as bank account statement or cash flow statement; (l) tax clearance certificate; and (m) any other additional information, which the commissioner may request.

(3) Notwithstanding subregulation (2)(i), a sole proprietor, partnership or small medium and micro enterprise, may submit unaudited financial statements verified and certified by the bank. (4) An entity shall not be eligible for appointment as an agent if the carrying out of agent banking business by such an entity contravenes any law, memorandum and articles of association, or other constitutive documents or objects of the entity. Application for a licence as an agent
7. (1) subject to section 12 of the Act, an application for a licence to
act as an agent of a bank shall be made to the commissioner using the prescribed form and accompanied by the documents set out in schedule 1. (2) Upon receipt of an application, the commissioner shall communicate its decision to the applicant within 45 working days. (3) Where an application is successful, the commisioner shall issue the bank an approval letter and the agent shall commence operations within three months of being issued a license. (4) Before commencement of its operations, an applicant shall pay a licence fee for agents as prescribed in the Financial institutions (Processing and licensing Fees) Regulations, 2021 and shall before 31st day of December each year pay a renewal fee. (5) the commissioner shall decline an application which fails to comply with the requirements of these regulations and shall notify the applicant in writing and provide reasons for the refusal. (6) An applicant whose application has been declined shall be barred from lodging a new application for the same entity for a period of six months. Validity of a licence
8. (1) A licence issued under these regulations shall remain valid unless -
(a) it is revoked by the commissioner; or

(b) the agency contract is terminated.
(2) the commissioner may revoke a licence of an agent whose proprietors, partners, officers, or employees furnish a bank or the commissioner with false or inaccurate information. Permissible and prohibited activities for agents
9. An agent:
(a) may provide the following services to a customer of a bank as may be specifically agreed with the bank and approved by the commissioner - (i) cash deposit and withdrawal; (ii) cash disbursement and repayment of loan services; (iii) cash payment of social and pension benefits; (iv) payment of bills; (v) mobile money services; (vi) account balance enquiry; (vii) generation and issuance of bank statements; (viii) collection and submission of documents in relation to account opening, loan, credit and debit card applications; (ix) collection of bank’s mail or correspondence for customers; and (x) any other activity as the commissioner may approve. (b) An agent shall not -

(i) transact in foreign currency;
(ii) hold itself out as a bank or financial institution; (iii) appoint a sub-agent or outsource any of the services or activities it has been contracted to undertake on behalf of a bank; (iv) collect or distribute debit and credit cards; (v) charge fees directly to customers for banking services provided; or (vi) conduct any other activity not listed in this regulation and approved by the commissioner.
PARt iii - AgeNcY coNtRAct
Agency contract
10. (1) A bank shall conclude a written contract with an agent before
the agent engages in any banking business on behalf of the bank. (2) A bank shall provide its agents with sufficient training prior to the commencement of agent banking activities by the agent, and continuous training thereafter to enable each agent to adequately perform the operations and provide the services agreed upon. (3) An agency contract shall contain - (a) the services to be provided by the agent on behalf of the bank; (b) the terms and conditions of termination of the agency contract; (c) specific business hours that agreed services will be available to customers of the bank through the agent; (d) a description of the technical infrastructure to be used

for the services of an agent and technical specifications for any electronic devices to be used; (e) the rights, expectations, responsibilities, and liabilities of both parties; (f) specific measures to mitigate risk associated with the services of an agent, including limits on customer transactions, cash management, cash security, security of agent premises and insurance policies; (g) the nature and timing of information to be provided by the agent to the bank including sufficient documentation covering every transaction and other relevant information and data; (h) a requirement that all information or data that shall be collected by an agent in relation to its services as agent whether from customer, the bank or other sources, shall be the property of the bank and shall be subject to data protection laws; (i) a provision on the obligation of an agent to comply with all requirements as set out in the policies of a bank; (j) remuneration for the agent and mode and frequency of payment; (k) a prohibition against imposition of unauthorized fees on the customer by the agent; (l) a clause specifying that employees of an agent shall not be treated as employees of a bank; and (m) a duration of the agency contract. Non-exclusivity
11. (1) An agency contract shall not include a provision prohibiting the
agent from conducting agent banking business with other banks.

(2) An agent may provide agent banking services for more than one bank provided that the agent has the capacity to manage the transactions for different banks and has concluded an agency contract with each bank. (3) A bank that seeks to contract an agent which has already been contracted by another bank to carry out agent banking services shall assess the capacity of an agent to manage transactions for different banks. (4) An agent shall inform the bank in writing where it concludes an agency contract with another bank. Termination of agency contract
12. (1) An agency contract shall be terminated if -
(a) the commissioner suspends or revokes the licence of a bank or agent; (b) the agent - (i) ceases operations; (ii) is convicted of a criminal offense involving fraud, dishonesty, other financial impropriety, or damage to the degree that the bank considers the effectiveness of an agent compromised; (iii) is wound up or dissolved; (iv) transfers or relocates its operations without informing the bank; (v) fails to renew or does not hold a valid business licence; (vi) violates any provisions of this regulations or other relevant laws; (vii) fails to commence agent banking business within the time stipulated by these regulations;

or
(c) the parties agree.
(2) Where the agency contract is terminated, the bank shall, within two working days, inform the commissioner of such termination and publish in its branches and websites and other publication, an updated list of terminated agency contracts.
PARt iV - DUties AND ResPoNsiBilities
Obligations of a bank
13. (1) A bank approved to conduct agent banking is liable for the actions and omissions of the agent relating to agent banking.
(2) A bank shall -
(a) monitor and supervise the activities of its agents; (b) establish, assess, manage, and monitor quantitative limits for the provision of services to be performed by an agent; (c) collect and maintain information on the numbers and volumes of transactions carried out for each type of service provided by each agent; (d) ensure and monitor effective compliance by the agent with set limits and establish other prudential measures as appropriate; (e) maintain an effective system of internal control and oversight of the agent’s activities to enable monitoring of activities for compliance with the policy of a bank and procedure, proper security for the safeguarding of information, communication and technology system terms and conditions; (f) provide agents with operation manuals and risk

management policy documents to ensure proper provision of services to customers; (g) publish quarterly an updated list of all its agents in their respective branches, on websites, and such other places as it may deem appropriate; (h) formulate internal audit policies applicable to agents; (i) put in place adequate oversight safeguards to address instances of non-compliance by the agent; (k) make periodic visits to the outlet of an agent to monitor compliance; (l) ensure that its agents comply with all laws, regulations, rules, and guidelines issued by the commissioner; and (m) train agents continuously to enable each agent to adequately perform the operations and provide the services agreed upon. (3) A bank may brand its agents under any name related to its brand, however, use of protected words like ‘bank’ or ‘financial institutions’ or their derivatives or any other word suggesting that the agent is itself a bank or financial institution is prohibited. (4) in advertising its agents, a bank shall not in any form, misrepresent the agent as a bank or mislead the public as to the services available at the agent premises. Risk management
14. A bank that appoints an agent shall put in place an enhanced risk management system to cover agent banking services and shall -
(a) manage risks including credit, operational, legal, liquidity, compliance, reputational and cyber risks in a prudent manner;

(b) ensure that the scope and coverage of its assurance functions are expanded to be commensurate with the increased complexity and risks inherent in the use of agents and the activities of such agents; and (c) ensure compliance with the rules for combating money laundering and financing of terrorism. Settlement of transactions by agents
15. (1) A bank shall ensure that all transactions carried out by an agent
involving deposit, withdrawal, payment, or transfer of cash from or to an account are on a real time basis. (2) A bank shall ensure that transactions carried out by an agent are done with devices that are technically appropriate and are able to - (a) transmit transactions in code; (b) reverse incomplete transactions due to error, system failure, power outage or other defects; (c) process or generate durable transactional documents or receipts; (d) automatically log off an agent once the agent reaches its daily or monthly cash limit or tries to perform an illegal or unauthorized transaction; and (e) generate an audit trail. (3) A bank shall put in place systems that address the following - (a) physical and logical security of infrastructure; (b) continuous availability of services; (c) data confidentiality and integrity; (d) encryption of PiN and electronic transactions;

(e) customer accountability and non-repudiation on transactions; and (f) error messaging and exception handling. Anti-money laundering and combating the financing of terrorism
16. (1) A bank shall -
(a) periodically train and sensitize its agents on all anti-money laundering and combating the financing of terrorism laws. (b) A bank shall ensure that agents - (i) identify customers with at least two factor authentications such as identity cards, personal identity numbers, passwords, automated teller machine, secret code, or secret message while performing any transaction requiring identification; (ii) comply with anti-money laundering laws to isolate suspicious transactions for subsequent investigation; and (iii) develop an automated system to identify suspicious transactions before introducing the services. (2) An agent shall - (a) report to the bank, within twenty-four hours, suspicious activities that come to the knowledge of an agent; (b) transact agent banking business strictly as per the transactional limits prescribed by the bank; and (c) comply with all laws on anti-money laundering and combating the financing of terrorism.

Consumer protection
17. (1) A bank shall -
(a) establish consumer protection policies against risks of fraud, loss of privacy, and loss of service; and (b) publish a channel for communication of complaints relating to agents by customers to the bank including a complaints redress mechanism. (2) An agent shall - (a) comply with all laws relating to financial consumer protection or any other regulatory instruments issued by the commissioner. (b) disclose to the customers of a bank in a conspicuous place on the premises of an agent - (i) the name of the bank for which it acts as an agent; (ii) a list of services it is authorized by its principal to offer as an agent; (iii) a list of charges or fees applicable for each service which are payable by the customer to the bank; and (iv) an assigned phone number and email address through which customers can contact the bank and the location of the nearest branch of a bank where customers can make general queries or lodge their complaints against the agent. Reporting requirements
18. (1) A bank shall, at the end of every three months and not later than
the 30th day of the next month, submit to the commissioner in the form as set

out in schedule 2, data and other information on agent operations on - (a) nature, value, volume and geographical distribution of operations and transactions; (b) incidents of fraud, theft, or robbery; (c) nature and number of complaints of the customers; and (d) remedial measures taken to address complaints of the customers. (2) the commissioner shall have the power to - (a) request any information from any agent at any time as the commissioner deems necessary in connection with services of an agent; (b) carry out scheduled or unscheduled examinations of the books and premises of an agent; (c) direct an agent to take such actions or desist from such conduct as the commissioner deems necessary; (d) direct the bank to take such remedial actions arising from the conduct of an agent as it deems necessary; and (e) make any determination as it deems necessary to give effect to the provisions of these regulations. Supervisory actions and penalties by the Commissioner
19. the commissioner may impose any of the following measures -
(a) prohibit a bank from engaging the services of agents or an agent from providing services as an agent; (b) direct termination of agency banking relationship; (c) issue a directive to a bank or to an agent to take any

action or to desist from taking any action in the interest of the depositors of the bank or the financial sector as a whole; and (d) any other measure the commissioner may deem necessary to give effect to the provisions of these regulations. Transitional provisions
20. existing licensed banks and agents shall adjust their activities to the provisions of these Regulations not later than six months from their coming into
operation.
Repeal
21. the Financial institutions (Agent Banking) Regulations, 2016
3 is repealed.

SCHEDULE 1
(Regulation 8(1)
APPlicAtioN FoR A liceNce to coNDUctAgeNt BANKiNg BUsiNess the governor central Bank of lesotho P.o. Box 1184 Maseru 100 i, the undersigned, acting as principal or chairman or chief executive officer of
...................................................................................................................................
...................................................................................................................................
hereby apply for AgeNt BANKiNg licence on behalf of

Name of the agent
...................................................................................................................................
...................................................................................................................................
Physical location
...................................................................................................................................
...................................................................................................................................
...................................................................................................................................
Postal Address
...................................................................................................................................
...................................................................................................................................
...................................................................................................................................
contact details
e-mail:…………………………………………………….
Phone:……………………………………………………
Fax:………………………………………………………….
Activities to be performed by the Agent
(i)…………………………………………………………………….
(ii)…………………………………………………………………….
(iii)…………………………………………………………………….

(iv)…………………………………………………………………….
(v)…………………………………………………………………….
(vi)…………………………………………………………………….
(vii)…………………………………………………………………….
(viii)…………………………………………………………………….
(ix)…………………………………………………………………….
(x)…………………………………………………………………….
6. the commercial activities the proposed agent has been carrying for the
past years
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
…………………………………………………………………………………
………………
7. certification and Understanding
i, ___________________________________ certify that all the above information contained and accompanying this form is complete and accurate to the best of my knowledge and belief and that i do not possess any of the disqualification’s provided under section 43(1) of the Financial institutions Act 2012. sworn to at Maseru, lesotho this____________ day of ____________________________________ ________________________ ________________________________ signature of Deponent Position Deponent understands contents of this affidavit Before me,

A coMMissioNeR oF oAtHs
N.B.

All sections in this form must be filled and therefore no section shall be left
blank
Where information is not provided, please place “Not APPlicABle” or
“NoNe”, as the case maybe.
if any space provided in the form is inadequate, the required information or
data needed may be supplied, as on annex
Reference shall be made in the relevant section of the form by placing the
words “ReFeR to ANNeX…………”

SCHEDULE 2
RePoRt oN AgeNt BANKiNg ActiVities
(Regulation 20(1))
Bank iD:
start Date:
end Date:
Report of Agent Banking Activities (M’000) Name of list of total number total value of total value of location District Fraud and Agent Activities of transactions losses targeted by the banks (Bank appetite) cash-in Number Amount cash-out Bill Payments Airtime other activities

DATED:
DR. MALUKE EMMANUEL LETETE
GOVERNOR OF THE CENTRAL BANK OF LESOTHO NOTE

Act No. 3 of 2012
l.N. No. 128 of 2021
l.N. No. 43 of 2016

legAl Notice No. 31 oF 2024
Money Laundering (Preservation Order) Notice, 2024 Pursuant to section 89(1)(b) of the Money laundering and Proceeds of crime Act, 2008 , i, MAHLAPE MORAI Acting commissioner of the lesotho Mounted Police service publish the Preservation order set out in the court order attached to this Notice. DATED:
DR. MAHLAPE MORAI
ACTING COMMISSIONER OF LESOTHO MOUNTED POLICE NOTE

Act No. 4 of 2008 as amended by Act No. 7 of 2016

iN tHe HigH coURt oF lesotHo
Held at Maseru ciV/APN/0053/2024 in the exparte application of:
oFFiceR coMMANDiNg coUNteR coMMeRciAl cRiMe UNit 1st APPlicANt coMMissioNeR oF Police 2nd APPlicANt AttoRNeY geNeRAl 3rd APPlicANt in re:
Unnumbered Residential property located at Ha Foso, Maseru Urban Area, residential property held under Plot number 12313-563 located at likotsi Maseru Urban, commercial property Plot number 13293-1482 located at Qoaling Maseru urban, commercial property Plot number 13293-2921 located at Qoaling Maseru Urban, Residential property plot number 14312-464 located at Masianokeng Maseru urban, Plot number unknown or unregistered green house farm situated at Ha tsolo operated by Mabolae Mohasi. two unregistered agricultural field of Mabolae Mohasi situated above Mohokare River at linakotseng, toyota Hilux
2.7 4x2 Double cab engine number 2tR7972536 chassis number
AHteX39g1g107022649 with registration number A948BcN, Home build trailer chassis number tclMPs20141121720 license number A823BcR, Volkswagen VW 350-golf engine number cMB120083 and ViN number WVWZZZAUZDW077908 license number J660BBc, toyota Fortuner 2.4 gD6 4x4 chassis number AHtDB3Fs200248680 engine number 2gDD221969 registration number J702BBH, BMW Mini coupe R58 chassis number WMWBZ32020Wl88343 engine number B8701897N16B16A license number D175BBP, Audi AU 350-A3 chassis number WAUZZZ8P46A078414 engine number BlR064801 license number e124BBJ, Volkswagen Jetta ViN AAVZZZ16ZHU014585 and engine number HV053638 license number eg914, toyota Noah chassis number AZR600159316 engine number 1AZ515211 license number e499BBJ, Audi A3 chassis number WAUZZZ8P164A049500 engine number AXX049021 license number A252BBX, Volkswagen golf chassis number WWWZZZ1K27U009911 engine number BWA07459 license number A506BBH, Honda chassis number RR11108665 engine number K24A6109953 license number A695 BDc, Audi A4 chassis number WAUZZZ8K5DA116671 engine number cJe027311 license number c698BBJ, toyota Runx registration number A151BcX whose chassis

and engine number unknown belonging to thabana thabana, opel corsa chassis number ADMRF68AR5e260368 engine number Z17DtH01266446, BMW 3 series chassis number WBAW212020PD76100 engine number 80314291N52B25AF license number A624BBM, chrysler Pt cruiser chassis number 1c4FZBB901t679405 engine number t679405, Volkswagen Jetta chassis number WVWZZZ16ZeM058653 engine number cAXe81394 license number e6277, toyota Noah chassis number AZR600230421 engine number 1AZ4638863 license number RJ549, Mazda chassis number se88t206774 engine number F8605020 license number Rt566, Mini cooper chassis number WMWRc32070tg61102 engine number W10B16D8620435, Audi AU48x-A5 chassis number WAUZZZ8t5BA060625 engine number cAl082892 license number A551BcD, BMW 1 series chassis number WBAUF12010PZ31811 engine number N45B16ABA399H716 license number A719BcX, toyota Runx chassis number ZNe1215010141 engine number 1NZA309520 license number A151BcX, Jaquar F-Pace sUV chassis number sADcA2AN6HA089955 engine number 160930W0700204DtD license number A867BcM, isuzu KB chassis number ADMVRceR7c4743212 engine number 4JJ1ND1749, Volkswagen golf chassis number WVWZZZ1KZ4W102569 engine number BAg085483 license number MY536, toyota RAV4 chassis number JtMZD3eV20D032023 engine number 3ZR6022925 license number A941BBX, toyota D4D registration number A948BcN chassis number and engine number unknown, toyota gD6 registeration number c290BBN chassis number and engine number unknown and VW golF 6 gti chassis number WVWZZZ1KZAW286755 engine number cc2-045907 bought for Bokang Brian thahanyane. earthly Market following items and accessories; beverages, cigarettes and airtime stock, furniture and fittings accessories including; tables, chairs, sofa couch, disco lights, radio and sound system with speakers, fridges, television sets, computer sets, cash till and any cash found therein, wall mounted stands, decorated lights, hoovers, pressure washer or compressor, serving baskets and tents. Bank account number and funds kept in: account number 9080000486457 of lonewolf Pty ltd, account number 9080008734921 of thabana thabana, city Metal account number 9080007372627, earthly Market Account number 9080007526829 and tloaelo Khutlisi bank account 9080007976409, lehlohonolo teba account number 9080007737528 and 9080000883545 of Jonase.

coURt oRDeR
BeFoRe HeR lADYsHiP M. MAHAse J oN tHe 08th DAY oF MARcH 2024. HAViNg HeARD: Advocate Nc seHloHo counsel for applicants AND HAViNg ReAD: PAPeRs FileD oF RecoRD it is HeReBY oRDeReD tHAt:

the ordinary Rules pertaining to the forms, modes and periods of service
in this matter are dispensed with;
An order be granted preserving property and prohibiting any interested
person or any other person from disposing or otherwise dealing with, hampering, dissipating, interfering with, offer as security for any debt, attaching or selling in execution, diminishing the value of or dealing in any other manner with the following moveable or immovable property or such part thereof or interest thereof;
2.1 Unnumbered Residential property located at Ha Foso, Maseru
Urban Area under the Plot in the names of lineo Khotseng.
2.2 the residential property held under Plot number 12313-563 in
the names of talenta Masoatsa located at likotsi Maseru Urban.
2.3 the commercial property held under the Plot number
13293-1482 in the names of Moliehi Margaret Moima (Malerato Khutlisi) located at Qoaling Maseru urban.
2.4 the commercial property held under the Plot number
13293-2921 in the names of Ntsane Nyai located at Qoaling Maseru Urban.
2.5 the Residential property held under the plot number 14312-464
in the names of Hlompho Morojele located at Masianokeng Maseru urban.

2.6 Plot number unknown or unregistered green house farm situated
at Ha tsolo operated by Mabolae Mohasi.
2.7 two unregistered agricultural fields of Mabolae Mohasi situated
above Mohokare River bought from Masaese Mokiba of linakotseng.
2.8 toyota Hilux 2.7 4x2 Double cab engine number 2tR7972536,
chassis number AHteX39g1g107022649, with registration number A948BcN registered in the names of lehlohonolo teba.
2.9 Home build trailer chassis number tclMPs20141121720
license number A823BcR registered in the names of lehlohonolo teba.
2.10 Volkswagen VW 350-golf engine number cMB120083 and
ViN number WVWZZZAUZDW077908 license number J660BBc registered in the names of lineo g Khotseng.
2.11 toyota Fortuner 2.4 gD6 4x4 chassis number
AHtDB3Fs200248680 engine number 2gDD221969 registration number J702BBH registered in the names of lineo g Khotseng.
2.12 BMW Mini coupe R58 chassis number
WMWBZ32020Wl88343 engine number B8701897N16B16A license number D175BBP registered in the names of lineo g Khotseng.
2.13 Audi AU 350-A3 chassis number WAUZZZ8P46A078414
engine number BlR064801 license number e124BBJ registered in the names of sienne e Ratsiu. 214 Volkswagen Jetta ViN AAVZZZ16ZHU014585 and engine number HV053638 license number eg914 registered in the names of sienne e Ratsiu.
2.15 toyota Noah chassis number AZR600159316 engine number
1AZ515211 license number e499BBJ registered in the names of sienne e Ratsiu.

2.16 Audi A3 chassis number WAUZZZ8P164A049500 engine
number AXX049021 license number A252BBX registered in the names of sienne ernest Ratsiu.
2.17 Volkswagen golf chassis number WWWZZZ1K27U009911
engine number BWA07459 license number A506BBH registered in the names of Ntsane Nyai.
2.18 Honda chassis number RR11108665 engine number
K24A6109953 license number A695 BDc registered in the names of Ntsane Nyai
2.19 Audi A4 chassis number WAUZZZ8K5DA116671 engine
number cJe027311 license number c698BBJ Mamachoba Machoba.
2.20 opel corsa chassis number ADMRF68AR5e260368 engine
number Z17DtH01266446 registered in the names of thabana thabana.
2.21 chrysler Pt cruiser chassis number 1c4FZBB901t679405
engine number t679405 registered in the names of Hlompho Morojele.
2.22 toyota Noah chassis number AZR600230421 engine number
1AZ4638863 license number RJ549 registered in the names of Malerato Khutlisi.
2.23 Mazda chassis number se88t206774 engine number F8605020
license number Rt566 registered in the names of Malerato Khutlisi.
2.24 Mini cooper chassis number WMWRc32070tg61102 engine
number W10B16D8620435 license number registered in the names of Malerato Khutlisi.
2.25 Audi AU48x-A5 chassis number WAUZZZ8t5BA060625
engine number cAl082892 license number A551BcD registered in the names of Malerato Khutlisi.

2.26 BMW 1 series chassis number WBAUF12010PZ31811 engine
number N45B16ABA399H716 license number A719BcX registered in the names of tloaelo s Khutlisi.
2.27 toyota Runx chassis number ZNe1215010141 engine number
1NZA309520 license number A151BcX registered in the names of tloaelo s Khutlisi.
2.28 Jaquar F-Pace sUV chassis number sADcA2AN6HA089955
engine number 160930W0700204DtD license number A867BcM registered in the names of tumisang thahanyane.
2.29 isuzu KB chassis number ADMVRceR7c4743212 engine
number 4JJ1ND1749 license number A059BDg registered in the names of tumisang thahanyane.
2.30 Volkswagen golf chassis number WVWZZZ1KZ4W102569
engine number BAg085483 license number MY536 registered in the names of tumisang thahanyane.
2.31 toyota RAV4 chassis number JtMZD3eV20D032023 engine
number 3ZR6022925 license number A941BBX registered in the names of Mabolae Mohasi.
2.32 toyota D4D register number A948BcN chassis number and
engine number unknown of talenta Masoatsa.
2.33 VW golF 6 gti chassis number WVWZZZ1KZAW286755
engine number cc2-045907 bought for Bokang Brian thahanyane.
2.34 chrysler Pt cruiser chassis number 1c4FZBB901t679405
engine number t679405 registered in the names of Hlompho Morojele.
2.35 Volkswagen Jetta chassis number WVWZZZ16ZeM058653
engine number cAXe81394 license number e6277 registered in the names of Hlompho Morojele.
2.36 Bank account number 9080000486457 of lonewolf Pty ltd and

funds kept therein.
2.37 Bank account number 9080008734921 of thabana thabana and
funds kept therein.
2.38 Ntsane Nyai account number 9080007429289 and funds kept
therein.
2.39 city Metal account number 9080007372627 and funds kept
therein.
2.40 earthly Market account number 9080007526829 and funds kept
therein.
2.41 tloaelo Khutlisi bank account 9080007976409 and funds kept
therein.
2.42 lehlohonolo teba account number 9080007737528 and funds
kept therein.
2.43 centimetre account number 62845777260 and the funds kept
therein.
2.44 Matsepiso Jonase bank account number 9080000883545 and
funds kept therein.
2.45 earthly Market following items and accessories; beverages,
cigarettes and airtime stock, furniture and fittings accessories including; tables, chairs, sofa couch, disco lights, radio and sound system with speakers, fridges, television sets, computer sets, cash till and any cash found therein, wall mounted stands, decorated lights, hoovers, pressure washer or compressor, serving baskets and tents.
3. the officers of the first applicant lead by Detective senior inspector
Mathaane lenea to seize and retain under their effective control movable property to remain under their custody pending the forfeiture order in this matter and these properties are:
3.1 toyota Hilux 2.7 4x2 Double cab engine number 2tR7972536,

chassis number AHteX39g1g107022649, with registration number A948BcN registered in the names of lehlohonolo teba.
3.2 Home build trailer chassis number tclMPs20141121720
license number A823BcR registered in the names of lehlohonolo teba.
3.3 Volkswagen VW 350-golf engine number cMB120083 and
ViN number WVWZZZAUZDW077908 license number J660BBc registered in the names of lineo g Khotseng.
3.4 toyota Fortuner 2.4 gD6 4x4 chassis number
AHtDB3Fs200248680 engine number 2gDD221969 registered number J702BBH.
3.5 BMW Mini coupe R58 chassis number
WMWBZ32020Wl88343 engine number B8701897N16B16A license number D175BBP registered in the names of lineo g Khotseng.
3.6 Audi AU 350-A3 chassis number WAUZZZ8P46A078414
engine number BlR064801 license number e124BBJ registered in the names of sienne e Ratsiu.
3.7 Volkswagen Jetta ViN AAVZZZ16ZHU014585 and engine
number HV053638 license number eg914 registered in the names of sienne e Ratsiu.
3.8 toyota Noah chassis number AZR600159316 engine number
1AZ515211 license number e499BBJ registered in the names of sienne e Ratsiu.
3.9 Audi A3 chassis number WAUZZZ8P164A049500 engine
number AXX049021 license number A252BBX registered in the names of sienne ernest Ratsiu.
3.10 Volkswagen golf chassis number WWWZZZ1K27U009911
engine number BWA07459 license number A506BBH registered in the names of Ntsane Nyai.

3.11 Honda chassis number RR11108665 engine number
K24A6109953 license number A695 BDc registered in the names of Ntsane Nyai
3.12. Audi A4 chassis number WAUZZZ8K5DA116671 engine
number cJe027311 license number c698BBJ Mamachoba Machoba.
3.13 opel corsa chassis number ADMRF68AR5e260368 engine
number Z17DtH01266446 registered in the names of thabana thabana.
3.14 chrysler Pt cruiser chassis number 1c4FZBB901t679405
engine number t679405 registered in the names of Hlompho Morojele.
3.15 Volkswagen Jetta chassis number WVWZZZ16ZeM058653
engine number cAXe81394 license number e6277 registered in the names of Hlompho Morojele.
3.16 toyota Noah chassis number AZR600230421 engine number
1AZ4638863 license number RJ549 registered in the names of Malerato Khutlisi.
3.17 Mazda chassis number se88t206774 engine number F8605020
license number Rt566 registered in the names of Malerato Khutlisi.
3.18 Mini cooper chassis number WMWRc32070tg61102 engine
number W10B16D8620435 license number registered in the names of Malerato Khutlisi.
3.19 Audi AU48x-A5 chassis number WAUZZZ8t5BA060625
engine number cAl082892 license number A551BcD registered in the names of Malerato Khutlisi.
3.20 BMW 1 series chassis number WBAUF12010PZ31811 engine
number N45B16ABA399H716 license number A719BcX registered in the names of tloaelo s Khutlisi.

3.21 toyota Runx chassis number ZNe1215010141 engine number
1NZA309520 license number A151BcX registered in the names of tloaelo s Khutlisi.
3.22 Jaquar F-Pace sUV chassis number sADcA2AN6HA089955
engine number 160930W0700204DtD license number A867BcM registered in the names of tumisang thahanyane.
3.23 isuzu KB chassis number ADMVRceR7c4743212 engine
number 4JJ1ND1749 license number A059BDg registered in the names of tumisang thahanyane.
3.24 Volkswagen golf chassis number WVWZZZ1KZ4W102569
engine number Ag085483 license number MY536 registered in the names of tumisang thahanyane.
3.25 toyota RAV4 chassis number JtMZD3eV20D032023 engine
number 3ZR6022925 license number A941BBX registered in the names of Mabolae Mohasi
3.26 toyota Yaris chassis number JtDJg923X05113405 engine
number 1KR0559173 license number A843BcR registered in the names of Mabolae Mohasi.
3.27 toyota D4D register number A948BcN chassis number and
engine number unknown of talenta Masoatsa.
3.28 VW golF 6 gti chassis number WVWZZZ1KZAW286755
engine number cc2-045907 bought for Bokang Brian thahanyane.
3.29 Money and account numbers: 9080000486457 of lonewolf Pty
ltd, account number 9080008734921 of thabana thabana, city Metal account number 9080007372627, earthly Market Account number 9080007526829 and tloaelo Khutlisi bank account 9080007976409, lehlohonolo teba account number 9080007737528, Ntsane Nyai account number 9080007429289, centimetre account number 62845777260 and account number 9080000883545 of Matsepiso Jonase.

3.30 earthly Market following stock, items and accessories;
beverages, cigarettes and airtime stock, furniture and fittings accessories including; tables , chairs, sofa couch, disco lights, radio and sound system with speakers, fridges, television sets, computer sets, cash till and any cash found therein, wall mounted stands, decorated lights, hoovers, pressure washer or compressor, serving baskets and tents.
4. the officers of the first applicant herein lead by Detective senior
inspector Mathaane lenea to seize and retain in their effective control immovable properties and lease or any document of title relating to the immovable property subject matter hereof and to submit them to Deeds Registry to be endorsed as non-transferable pending until the expiration of this order in terms of section 90 MlPcA or until the conclusion of the forfeiture application and the people interested to the property be bound to release to the first and second applicant officers the document of title relating to the following property:
4.1 Unnumbered Residential property located at Ha Foso, Maseru
Urban Area under the Plot in the names of lineo Khotseng.
4.2 the residential property held under Plot number 12313-563 in
the names of talenta Masoatsa located at likotsi Maseru Urban.
4.3 the commercial property held under the Plot number
13293-1482 in the names of Moliehi Margaret Moima (Malerato Khutlisi) located at Qoaling Maseru urban.
4.4 the commercial property held under the Plot number
13293-2921 in the names of Ntsane Nyai located at Qoaling Maseru Urban.
5. costs of the suit in the event of opposition.
6. Further and or alternative relief.
BY oRDeR oF coURt
.................................................. ................................................
FUll NAMes FUll NAMes

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sigNAtURe: HoNoURABle JUDge sigNAtURe: RegistRAR

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Financial Institutions (Agent Banking) Regulations, 2024

Lineage: In force