Contract

URUKIKO RUKURU RW’UBUCURUZI, RURI KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RWEGO RW’UBUJURIRE, NONE KUWA 25/11/2016, RUKIJIJE MU RUHAME URUBANZA RCOMA 00391/16/HCC MU BURYO BUKURIKIRA :

……………………………………………………………………………………………………………………………………

HABURANA:

RUDACYAHWA Xxxxxx, ubarizwa 0000 Xxx Xx Xxxxxxxxx, Xx Xxxxxx Xxxxx Xx Xx Xxxxxx, Xxxxxx, Xxxxxx, ahagarariwe na Me XXXXXXXXX Xxxxxxxxx: UWAJURIYE

Na:

AB BANK RWANDA Ltd, mu izina ry’uyihagarariye, ihagarariwe na Me XXXXXXXX Xxxxxxxx na Me BUGINGO Xxxx Xxxxx: UREGWA

IKIREGERWA:

Xxxxxxx xxxxxxx amasezerano arebana n’ingwate No Co-01071000028-72 yakozwe kuwa 28/10/2014 hagati ya AB BANK RWANDA Ltd na BAMURANGIRWA Leatitia akemezwa n’Umwanditsi Mukuru mu buryo bunyuranyije n’amategeko, gutesha agaciro ibyemezo bitandukaanye by’Umwanditsi Mukuru birimo certificate for registration of security interests in Movable property REG 10004542 FO 29/10/2014 y’imodoka CHEROKEE RAB 839 N na ACURA RAB 646 S za RUDACYAHWA Xxxxxx; na certificate no 13/2015 authorization to process property belonging to BAMURANGIRWA Laetitia, gusubiza umutungo wimukanwa wa RUDACYAHWA Xxxxxx xxxxxxxxxx, indishyi zitandukanye, kwishyura igihombo gikomoka ku ifatira ry’imitungo n’igihembo cya avoka n’amafaranga y’ikurikiranarubanza. (Kubyutsa urubanza RCOMA 00314/2016/CHC/HCC rwajuririraga urubanza RCOM 1640/14/TC/NYGE.)

I. IMITERERE Y’URUBANZA

1. Uru rubanza rwatangiriye mu rukiko rw’ubucuruzi rwa Nyarugeneg XXXXXX XXXXXXXXXX xxxxx XX BANK RWANDA Ltd, RDB na BAMURANGIRWA Xxxxxxxx xxxxx gutesha agaciro amasezerano y'ingwate yakozwe ku mutungo we wimukanwa hakoreshejwe Procuration yo kuwa 20/01/2014 yamwitiriwe ko yaba yaratangiye imbere ya Notaire w'Akarere ka NYARUGENGE witwa

NIYONZIMA Anaclet xxxxx xxx atarari mu Rwanda nk’uko yabitangiye bikimenyetso bigaragazwa na Passport ya CANADA Q1439836 na Passport y'U Rwanda PC 170268, xxxxxxx xxxxxxx xxxxxxx n'ibindi byemezo byagiye bifatwa k'umutungo we ugizwe n'imodoka bikomoka kuriyo nyandiko yamwitiriwe na none akaba yarabisabiye indishyi.

2. Mu guca urubanza urukiko rukaba rwaremeje ko ikirego cye nta shingiro gifite ndetse runamutegeka kwishyura uregwa indishyi z’ikurikiranarubanza.

3. Xxxxxx XXXXXXXXXX akaba atarishimiye imikirize y’urubanza ariyo mpamvu yarujuririye avuga ko Urukiko Rukuru rw’Ubucuruzi rwakongera rugasuzuma ikibazo bityo rugakuraho icyemezo cyafashwe mu rubanza RCOM 1640/15/TC/NYGE n'ibindi byemezo byafashwe k'umutungo we.

4. Impamvu agaragaza mu kujurira ngo xxxxx xxx xxxxx urukiko rwarangiye RUDACYAHWA Xxxxxx xxxxxxxx ko inyandiko imwitirirwa ari impimbano. Indi mpamvu ikaba ari iyo kuba urukiko ngo rwarafashe icyemezo rushingiye ku cyiswe procuration kandi rwarashyikirijwe ibyemezo biyivuguruza. Ingingo ya nyuma ikaba ari iyo kuba urukiko ngo rutarasuzumye indishyi yasabaga. Mu gusobanura iyi mpamvu avuga ko Xxxxxxx xxxxxxxxxx agaciro ikirego cy'indishyi kubera ko ibimeneyetso bye bitasuzumwe akaba ariyompamvu asaba HCC kongera guzisuzuma.

5. Muri uru rubanza hakaba hagomba gusuzumwa niba urubanza rwabyutswa, gusuzuma niba RUDACYAHWA Xxxxxx yarangiwe kuregera ko inyandiko ya procuration imwitirirwa ari impimbano no gusuzuma niba yateshwa agaciro, gusuzuma niba hari indishyi RUDACYAHWA Xxxxxx yagombaga guhabwa ku rwego rwa mbere.

II. ISESENGURA RY’IKIBAZO

A. Ku birebana no gusuzuma niba urubanza rwabyutswa

6. Urukiko rwemeye ibyutswa ry’urubanza kuko nk’uko byemerwa na Me XXXXXXXX Xxxxxxxx rwasibwe mugenzi we ari mu rundi rubanza kuko bari babonanye.

B. Ku birebana no gusuzuma niba RUDACYAHWA Xxxxxx yarangiwe kuregera ko inyandiko ya procuration imwitirirwa ari impimbano no gusuzuma niba xxxxxxxx agaciro

7. Me XXXXXXXXX Xxxxxxxxx asobanura ko Urukiko rutahaye agaciro passport za Xxxxxx XXXXXXXXXX zigaragaza nta mpaka ko atashoboraga xxxx xxx mu Rwanda igihe hakorwaga icyiswe Procuration yo kuwa 20/01/2014 kandi atasohotse mu gihugu cya CANADA abamo. Na none asobanura ko urukiko rwagaragaje ko kuba umugorewe yaragaragaje certificat de marriage byari bihagije kugira iyo procuration itangwe muri banki. Ibi bikaba ngo binyuranye n’ibiteganywa n’ingingo ya 5 n’iya 6 z’itegeko n’amabwiriza y’umwanditsi mukuru ku itangwa ry’ingwate y’abashakanye. Ibi bikaba na none ngo bivuguruza ibyo urukiko rwemeje ko iyo procuration itari ngombwa ndetse bikanavuguruzanya n’ingingo ya 3 y’amasezerano y’ingwate agaragaza ko AB Bank yakiriye ingwate ya BAMURANGIRWA Xxxxxxx xx xxxx xxx adafite uwo bayisangiye ntanahandi yayitanzeho ingwate.

8. Akomeza avuga ko procurationngo niyo yabayo yibaza niba ibiyikubiyemo bitanga ububasha busesuye bwo kuba yagwatiriza cyangwa akagurisha kuko itanga ububasha bwo gukoresha umutungo basangiye mu nyungu z’urugo rwabo. Ibi bikaba bidahuye n’ibiteganywa n’ingingo ya 530 CCLIII. Asoza avuga ko AB Bank Ltd yitiranya inshino za noteri ngo kuko kunotifiya diplome bitandukanye na procuration, utanze procuration ngo agomba kuba ahibereye. Ikindi RUDACYAHWA Xxxxxx xxx akaba ataratanze imfunguzo z’imodoka ahubwo imodoka yarafatiriwe kuwa 30/06/2016 ifatirwa mu maboko ya MUTARIKANWA Félicien wayikodeshaga, ifatwa n’umuhesha XXXXXX Xxxxxxxx indi ya kabiri ifatirwa muri garaje.

9. Me BUGINGO Xxxx Xxxxx asobanura ko ubusanzwe ubutumwa butanzwe mu buryo rusange ngo burebana gusa n'ibikorwa byo gucunga umutungo. Icyakora ubutumwa butuma habaho gutanga ingwate ku byari byemerewe ny’iri bintu bisaba ukwemera kweruye kwa nyira byo. Ibi ngo ni na byo bishimangirwa n’ingingo ya 530 CCLIII yavuzwe haruguru.

10. Akomeza avuga ko procuration/power of attorney yatanzwe mu buryo bweruye kuko RUDACYAHWA Xxxxxx xxxxxxxxx mu nyandiko ndetse ayishyiraho umukono. Byongeye kandi, iyi procuration yanyuze imbere ya noteri mu rwego rwo gushimangira ukudashidikanywaho kwayo. Ngo akaba ariyo mpamvu nta mpamvu n’imwe yari gutuma urukiko rw’ubucuruzi rwa Nyarugenge rudashimangira ko iyo

procuration nta nenge ifite. Ikindi kandi, yahawe umugore BAMURANGIRWA Leatitia mu rwo kugira xxx xxx yatanga ingwate ku mutungo bityo ahabwe inguzanyo na AB BANK Rwanda Ltd.

11. Mu by’ukuri nta kimenyetso na kimwe kigaragaza ko iyo nyandiko ikubiyemo itangabubasha (procuration) ari mpimbano kuko yatanzwe mu buryo bukurikije amategeko. Nk’uko itegeko n°15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso nitangwa ryabyo ribiteganya cyane mu ngingo ya 3 agace ka mbere, urega agomba kugaragaza ukuri kw’ibyo aregera. RUDACYAHWA ntakigaragaza na gato ko inyandiko ifite inenge dore ko iyo procuration avuga yanakorewe imbere ya noteri kandi igahabwa AB Bank bikozwe n’umugore we bashyingiranywe mu buryo bwemewe n’amategeko.

12. Ikindi kandi iyo nyandiko RUDACYAHWA aregera ni nayo umugore we BAMURANGIRWA Leatitia yahaye Umwanditsi mukuru (registrar general) yandikisha ingwate nkuko amategeko abiteganya. Procuration avuga yatanzwe mu buryo bwemewe kuko ni we wayitanze kuko yari azi ibiri gukorwa byose. Aha twavuga nka tariki 17/02/2015 ubwo RUDACYAHWA yandikiwe kuri email abazwa xxx ifunguzo z’imodoka ziri igihe banki yashakaga kuzisura; bigaragaza ko byose yari abizi kuko ntabwo yari kubura kubaza umugore we ibijyanye n’ubugwate bwazo ahubwo kandi ari na we watanze imfunguzo zazo dore ko ari we zari zanditseho. Kuko yatanze procuration, ntabwo yari kubihakana xxxxx xxxx mpamvu na Banki yizeye BAMURANGIRWA imuha inguzanyo.

13. Kuvuga ko iyo nyandiko ikubiyemo procuration ari impimbano ngo nta shingiro bifite nk’uko urukiko rwa mbere mu rubanza RCOM 1640/15/TC/NYGE rwo kuwa 13/05/2016 rwabyemeje. Iyi ikaba xxx xxxx mpamvu urukiko rwa mbere rutari guha agaciro ibyo yavugaga kuko ntaho bishingiye dore iyo procuration yatwawe imbere ya noteri kandi itwawe n’umugore we kuko yashakaga inguzanyo muri AB Bank Rwanda Ltd.

14. Akomeza avuga ko xxx xx’uko urukiko rw’ubucuruzi rwa Nyarugenge rwavuze; icyo noteri yakoze ni ukureba no kwemeza ko umukono uri kuri iyo photocopie ya procuration BAMURANGIRWA Leatitia yari azanye uhuye n’umwimwrere wayo. Ni muri uru rwego, ibi bigomba gutandukanywa na procuration ibera mu maso ya noteri hari n’abatangabuhamya ariko siko biri muri uru rubanza kubera ko procuration yari yaratanzwe ahubwo BAMURANGIRWA Leatitia atwaye photocopie kwa noteri mu

gihe yashakaga inguzanyo muri AB Bank. Ikindi kandi uwayihawe yanashyishyingiwe mu buryo bwemewe n’amategeko hanyuma RUDACYAHWA akamuha uburenganzira busesuye ku modoka zari zimwanditseho nk’uko twabigaragarije imbere y’urukiko rw’ubucuruzi rwa Nyarugenge.

15. Me BUGINGO Xxxx Xxxxx asobanura ko harebwa imiterere ya procuration yatanzwe procuration Xxxxxxx xxxx azanye ihuye n’umwimerere wayo, bigatandukana na procuration ibera mu maso ya noteri hari abatangabuhamya. Ibi ngo byahuzwa na pasiporo yatanzwe, bivuga ko iyo procuration ikrerwa muri ambassade muri CANADA nta rwego rwari kuyemera itanyujijwe kuri MINAFET kugira noteri w’u Rwanda nawe ayikorereho umuhango wo kuyemeza.

16. Akomeza avuga ko iyi procuration umugabo yayihaye umugore, kandi igihe cyose yari afite bwo kuza mu Rwanda, yaba yarayikoze akayohereza muri courier akaba nta mategeko yishwe. AB Bank N’Umwanditsi mukuru bari bakeneye procuration inyujijwe kwa noteri kandi byarakozwe biremerwa. Bishimangiwe n’ibindi bimenyetso harimo e-mail yandikiwe kuwa 17/02/2015 asabwa ifunguzo z’imodoka arazitanga.

17. Kuvuga ko umutungo watanzwe ari uwa Latetia wenyine,ngo xxxxx xxx agakosa xxxx mu masezerno kakaba ngo kadakabije kuko muri procuration bivugwa ko umutungo bawusangiye akaba nta kibazo gihari.

UKO URUKIKO RUBIBONA

18. Ingingo ya 11 y’itegeko N° 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko ‘’Inyandikomvaho ni iyanditswe cyangwa yakiranywe imihango yabugenewe n’umukozi wa Leta ufite ububasha bwo gukora mu ifasi y’xxx yandikiwe.’’ Naho ingingo ya 13 y’iryo tegeko igateganya ko ‘’Inyandikomvaho ikemura impaka kuri bose mu byerekeye ibiyivugwamo umukozi wa Leta ubigenewe yabereye umuhamya cyangwa yakoze ariko atarengeje ibyo yari ashinzwe gukora. Ibivuzwe muri iyo nyandikomvaho ntawe ushobora kubihakana, keretse biramutse bikurikiranywe mu rubanza rushinja icyaha cyo kubeshya mu nyandikomvaho cyangwa umuburanyi aregeye ko iyo nyandikomvaho ari impimbano. Ku byerekeye ibindi ihamya, ibyo ivuga n’ukuri kw’ababuranyi, inyandikomvaho yemerwa iyo itavugurujwe n’ikindi kimenyetso cyanditswe cyangwa cyunganiwe

n’ikimenyetso cyanditse kituzuye, iyo ihakanwa n’umuburanyi, naho iyo ihakanwa n’undi muntu ashobora kubitangira ikindi kimenyetso cyose cyemerwa n’amategeko…’’

19. Urukiko rusanga ku kibazo cyo kuregera ko procuration ari inyandiko mpimbano bitashoboka kuko banki idashaka kugaragaza umwimerere w’iyo procuration kugira ikigo kibishinzwe kibashe kugereranya umukono uyiriho n’umukono wa RUDACHAHWA Xxxxxx, ibi rero bikaba byafatwa nko kubura ikimenyetso ku ruhande rwa banki kuko ariyo igomba kugaragaza umwimerere wa procuration yateje ibibazo.

20. Urukiko rusanga ibivugwa na Me BUGINGO Xxxx Xxxxx ko procuration bivugwa ko yatanzwe na RUDACYAHWA Xxxxxx yatanzwe mu buryo bweruye kuko yanayishyizeho umukono ndetse igacishwa imbere ya ya noteri bitahabwa agaciro kuko, xxxx xx’uko bigaragara procuration yarakozwe kuwa 20/01/2014, igakorerwa i Kigali kuko hashyirwaho umwirondoro wa RUDACYAHWA Alfed w’i Kigali nk’uko bigaragara kuri iyo procuration, ariko nyamara ibyangombwa by’inzira (passeports) bya XXXXXXXXXX Xxxxxx xxxx ibyo muri Canada n’ibyo mu Rwanda bikaba bigaragaza ko atari mu Rwanda kuri tariki yajyaniwe kwa noteri kuwa 31/01/2014 , kuko yinjiye mu Rwanda kuwa 18/12/2012 asubira muri Canada kuwa 19/02/2013, bigaragara ko procuration yakozwe nyuma y’umwaka avuye mu Rwanda, bikaba bitumvikana ukuntu noteri yemeje ko sinyatire iri kuri iyi procuration ari iya RUDACYAHWA Xxxxxx xxxxx nyamara ataramusinyiye imbere (legalisation de la signature) kuko kugira noteri yemeze ko sinyatire ari iy’umuntu, uwo muntu agomba gusinyira imbere ye, bitandukanye n’ibikorwa na notaire mu gihe yemeza ko inyandiko ihujwe n’umwimerere (copie conforme à l’originale).

21. Urukiko rusanga na none bitumvikana ukuntu banki yavuga ko mu gutanga inguzanyo

umwimerere wa procuration itawusigaranye ahubwo ngo ugatwarwa na BAMURANGIRWA Xxxxxxxx xxxxx ukuzana iyo procuration kandi ubundi uko bigenda banki ariyo isigarana umwimerere, uwazanye procuration agatwara fotokopi, ibi nabyo bikaba bigaragaza ko niba ariko byagenze bwaba ari uburangare bukabije bwa banki.

22. Urukiko rusanga na none mu kwakira ingwate y’imitungo, mu masezerano arebana n’ingwate No CO-01071000028-72, mu ngingo ya 3.1 BAMURANGIRWA Leatitia yaremereye banki ko ariwe wenyine xxxxx imitungo igwatirijwe ivugwa mu masezerano ndetse ko ntanahandi yayitanzeho ingwate, kuba i banki yaragarararijwe procuration igaragaza ko imitungo yatanzweho ingwate na BAMURANGIRWA Leatitia

ayita iye wenyine ayifatanyije n’umugabo we RUDACYAHWA Xxxxxx, xxxxx xx’umunyamwuga (professionnel) ikaba yaragombaga kugira amakenga mbere yo gutanga inguzanyo igatuma BAMURANGIRWA Leatitia uwo bafatanyije imitungo, kuko nubwo xxxx xxxxx y’igihugu iyo abona adashobora kuza, yarigukora procuration akayicisha kuri noteri wa ambasade y’u Rwanda mu gihugu arimo nk’uko bisanzwe bikorwa kuri procuration zikorwa n’abantu batari mu gihugu, iyi procuration yagera mu Rwanda igakorerwa imihango yabugenewe ikabona gutangwa muri banki;

23. Kuba banki yarirengagije ibyo byose igatanga umwenda ishingiye ku mvugo ya BAMURANGIRWA Leatitia igaragara mu ngingo ya 3.1 y’amasezerano amaze kuvugwa ndetse ifite na procuration igaragaza ibinyuranye n’ibivugwa na BAMURANGIRWA Leatitia, bigaragaza uburangare bukabije bwa banki mu kwakira ingwate, bityo uburangare bwa banki bukaba butagomba kugira ingaruka kuri RUDACYAHWA Xxxxxx.

24. Xxxxxxx xxxxxxx rero xxxx bigaragara ko procuration itasinyiwe imbere ya noteri nta cyemeza ko yatanzwe na RUDACYAHWA Xxxxxx ndetse ikaba itanafatwa nk’inyandikomvaho kuko itakiranywe imihango yabugenewe iteganywa mu ngigo ya 11 n’iya 13 z’itegeko N° 15/2004 ryo kuwa 12/06/2004 ryavuzwe haruguru, ariyo mpamvu procuration yo kuwa 20/01/2014 iteshejwe agaciro ndetse amasezerano y’ingwate No Co-01071000028-72 yakozwe kuwa 28/10/2014 hagati ya AB BANK RWANDA Ltd na BAMURANGIRWA Xxxxxxxx xxxxx ateshejwe agaciro, certificate for registration of security interests in Movable property REG 10004542 FO 29/10/2014 y’imodoka CHEROKEE RAB 839 N na ACURA RAB 646 S za RUDACYAHWA Xxxxxx; na certificate no 13/2015 authorization to process property belonging to BAMURANGIRWA Xxxxxxxx xxxxxx biteshejwe agaciro n’umutungo wimukanwa wa RUDACYAHWA Xxxxxx wafatiriwe ukaba xxxxxx xxxxxxxxx.

C. Ku birebana no gusuzuma niba hari indishyi RUDACYAHWA Xxxxxx yagombaga guhabwa ku rwego rwa mbere

25. Me XXXXXXXXX Xxxxxxxxx avuga ko Xxxxxxx xxxxxxxx agaciro ikirego cy'indishyi kubera ko ibimeneyetso bya RUDACYAHWA Xxxxxx bitasuzumwe ngo akaba ariyo mpamvu asaba ko urukiko rw’ubujurire rwongera kuzisuzuma.

26. Uburanira AB BANK Ltd akaba ntacyo yavuze kuri izi ndishyi.

UKO URUKIKO RUBIBONA

27. Urukiko rusanga insihyi zisabwa na Me IDAHEMUKA Tharcisse zirimo iz’igihombo cyo kubura inyungu zari zitegerejwe mu bukode bw’imodoka, izo gutesha agaciro izina rya RUDACYAHWA Xxxxxx, iz’ikurikiranarubanza n’igihembo cya avoka zifite ishingiro ariko zikaba zitagomba gutangwa kuko haba mu myanzuro wo ku rwego rwa mbere no ku rwego rw’ubujurire yatanzwe na Me IDAHEMUKA Tharcisse usibye kuzivuga gusa atagaragaza ingano yazo, bityo urukiko rukaba rutabona xxx ruhera ruzitanga.

D. Ku birebana no gusuzuma ishingiro ry’ubujurire bwuririye ku bundi

28. Me XXXXXXXX Xxxxxxxx asobanura ko indishyi z’ikurikirana rubanza n’igihembo cya avoka, avuga ko kuba RUDACYAHWA Xxxxxx yarashoye AB Bank Ltd. mu nkiko ku makosa ye bigatuma itakaza amafaranga atandukanye xxxxx xx’xxxxxxxxxxxxxxxxxx n’ayo yishyuye abavoka bayihagarariye mu nkiko, turasaba urukiko gutegeka RUDACYAHWA Xxxxxx gusubiza AB Bank 500,000 Rwf yakoreshejwe mu ikurikiranarubanza, akanayisubiza 1,000,000 Rwf AB Bank yishyuye abavoka bayunganiye.

UKO URUKIKO RUBIBONA

29. Urukiko rusanga rutakwirirwa rusuzuma iyi ngingo kuko urubanza rutsinda AB Bank Ltd izisaba.

III. ICYEMEZO CY’URUKIKO

30. Rwemeye kwakira ubujurire bwa RUDACYAHWA Xxxxxx xxxx xxxxxxxxx bikurikije amategeko, rubusuzumye rusanga bufite ishingiro.

31. Rwemeje ko imikirize y’urubanza RCOM 1640/15/TC/NYGE ihindutse kuri byose.

32. RWEMEJE kandi rutegetse ko procuration yo kuwa 20/01/2014 iteshejwe agaciro.

33. Rwemeje kandi rutegetse ko amasezerano y’ingwate No Co-01071000028-72 yakozwe kuwa 28/10/2014 hagati ya AB BANK RWANDA Ltd na BAMURANGIRWA Leatitia ateshejwe agaciro.

34. Rwemeje kandi rutegetse ko certificate for registration of security interests in Movable property REG 10004542 FO 29/10/2014 y’imodoka CHEROKEE RAB 839 N na ACURA RAB 646 S za RUDACYAHWA Xxxxxx na certificate no 13/2015

authorization to process property belonging to XXXXXXXXXXXX Xxxxxxxx xxxxxxxxxx xxxxxxx.

35. Rwemeje kandi rutegetse ko umutungo wimukanwa wa RUDACYAHWA Xxxxxx xxxxxxxxxx awusubizwa.

36. Rutegetse AB BANK RWANDA Ltd kwishyura RUDACYAHWA Xxxxxx xxxxxxxxxx 75,000 y’igarama.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA Xxxxxxxxx XXXXXXXX MUNYAMBANZA HARI N’UMWANDITSI X’XXXXXXX XXXXXXXXXXXX

Xxxxxxxx.

UMUCAMANZA UMWANDITSI

Xxxxxxxxx XXXXXXXX MUNYAMBANZA XXXXXXXXXXXX Xxxxxxxx

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