City Of Justice Solicitors

City Of Justice Solicitors Legal services, which includes property, corporate and processing of death benefits.

Our new office is now on 51, 7Up Road, by 14th Avenue Gate, Oluyole Estate, Ibadan
24/07/2022

Our new office is now on 51, 7Up Road, by 14th Avenue Gate, Oluyole Estate, Ibadan

12/09/2019

WHAT THE LAW SAYS ABOUT NEXT-OF-KIN IN NIGERIA

Are you among those that think by giving a name to financial institutions (bank for example) as next-of-kin you have chosen that person to automatically inherit your wealth in the event of your demise? In other words, do you think by merely picking someone as your next-of-kin you have made that person a beneficiary to your wealth or entitlement(s) in the event of your death? Let us attempt a little legal analysis based on two factors: whether the deceased has a Will (a document written by a deceased when he was alive that prescribes how his property is to be shared when he dies) or whether he dies without a will

In law when a person dies leaving behind a will, he is said to have died testate. In such a circumstance, Issue of next-of-kin becomes useless. The reason is that the wealth of the deceased will simply be shared in line with the contents of the will.

The position is still the same even where the deceased dies without leaving a will. The position is that when a person dies without a will, the question as to who to inherit his wealth is determined by law, that is to say, customary law, or Islamic law or English Law or the Administration of Estates law (or equivalent legislation) not whom the deceased mentioned in his bank or place of work as next-of-kin.

How then do we know the law to be applied in sharing the property of the deceased? The law to be applicable in distributing the estate of the deceased shall be determined by the incidence of marriage of the deceased. If a deceased contracted a statutory marriage, succession to his wealth will be effected in accordance with either the English law or the Administration of Estates Law (or equivalent legislation), depending on the jurisdiction. See Obuzez V. Obuzez (2007) 10 NWLR (Pt. 1043) 430.

Under English Law and the administration of estate laws of various state, the surviving spouse together with the children of the deceased inherit his estate to the exclusion of every other person. The parents of the deceased takes next after the surviving spouse and children, followed by brothers and sisters of the full blood, brothers and sisters of half blood, grandparents, aunties and uncles of full blood relation to the parents of the deceased etc. See Kekereogun & Ors v. Oshodi (1971) LPELR-1686(SC) subject however to contrary provisions under the administration of estate laws of various states.

Where however the deceased contracted a customary marriage, then customary law will determine who will inherit the property of the deceased. That is to say in the circumstance, heirs are those who are under native law and custom entitled to inherit his estate. For Muslims, Islamic law determines who to inherit the deceased estate.

Therefore, under the Nigerian law of intestate succession, one cannot choose his heir under the pretext of next-of-kin; the law imposes heirs on him. For example it is the surviving spouse and children of an intestate who married under the Act that are his heirs. The intestate cannot therefore, by naming only one of them or any of his other blood relatives his next-of-kin, scheme them out of inheritance as the act of naming his next-of-kin does not amount to testamentary disposition.

In view of the foregoing, there is nothing special about next-of-kin as far as succession is concerned. Next-of-kin is merely the first contact point if anything happens to you. He is someone empowered to make decisions for you in times of emergency or where you are not readily available or unable to make the decisions yourself. He is someone empowered to provide necessary information about you where needed such as confirming your identity. He is also someone positioned to make medical decisions such as providing consent for a medical procedure. At best, what a next-of-kin can do after the demise of the deceased is perhaps to ensure that necessary steps are taken towards obtaining letter of administration from the probate. The typical Nigerian's conception of the term, "next-of-kin" is therefore erroneous.

A next-of-kin can inherit only if he is named in a Will as a beneficiary or by his status he is entitled by law to inherit but not actually because he is named as the next-of-kin of the deceased in a bank or place of work.

Authored by O. G. Chukol

SAFEGUARDS WHEN PURCHASING A LAND:By Douglas Ogbankwa Esq.Purchasing a land can be a thing of great joy,but if you are n...
21/06/2019

SAFEGUARDS WHEN PURCHASING A LAND:

By Douglas Ogbankwa Esq.

Purchasing a land can be a thing of great joy,but if you are not careful,it could be a living nightmare!
The following are safeguards when purchasing a land.

1.Let a Lawyer be with you at the beginning of the Transaction.It makes the Land Speculators to do the right thing ,from the beginning, knowing that a good Lawyer will detect fraud or discrepancies from the start.

2. Never make payments and sign documents later,most times after making payments,the Vendors become evasive and elusive ,knowing there is nothing to look on to.

3. Never pay cash for land purchases ,do a bank transfer , issue a cheque or raise a draft,this is to ensure a trail of transaction !

4.Investigate title and ownership before purchase,don't believe every information given to you by the Vendor,there a lot fake and forged land documents out there !

5. If they said the Vendor was abroad, insist on a Power of Attorney from the Vendor to a person here in Nigeria and go on line to verify the authenticity of the fact,by using social media channels to reach the Vendor.

6.Let the person who introduced you to the transaction sign as a witness for you and ensure the phone numbers of the vendor and witnesses are on the land just as you should capture the signing of the land documents in still and motion picture !

7.Always put dates in your Deeds of Transfer or Assignment ,an undated document has no probative value-as per a ratio by the Supreme Court .

8 .If the land document is registered ,conduct a search at the Lands Registry to ascertain ,if there had been a Transfer ,if there was a charge ,mortgage ,caveat or any kind of encumbrance whatsoever ,if it was not registered ,do territorial search alone with out the Vendor .

9.If the Owner of the land is dead, demand for a document conferring ownership on the Vendor ,like Letters of Administration,Document of Sharing or Order from the Customary or High Court .

10.Take your documentation seriously ,do not patronize quacks or business centres,be guided that according to the Land Instrument Preparation Law,,every document relating to land must be prepared by a Legal Practitioner,failure of which ,what you have will be a worthless sheet of paper!

11. If you were not sure of the genuineness of the Land,pay Instalmentally,do some work to ascertain encumbrance or otherwise .

12.Do not allow the Vendor to rush you, to make payments while doing a land transaction ,being rushed is a red flag,that the land may not be genuine .

13.Always insist on a receipt for every payment made and insist on a separate receipt and indemnity for the land apart from the Deed .
13.Do a Survey Plan immediately after purchasing a land, and lodge it in the Lands Registry .and if possible process your C of O or Governor's Consent

14.Do not buy a land and leave it to fallow,,it is likely to be encroached on and make sure you have contact details of people around to alert you against any Trespass.

15.Make sure you have pictures and videos of the signing of the Land Documents,children of the Vendor may feign ignorance of your transaction ,if for any reason the Vendor dies.

16.Do not allow the Vendor to get a Lawyer for you,get your Lawyer that will protect your interest .

17.Make sure the Community Leaders are aware of your purchase of land in their community ,it makes fraud less likely .

18.Read through before signing a Land Document ,dont sign what you dont under stand .

19.You may require the Vendor to swear to an Affidavit of ownership and indemnity !

20. Buying a Land from an individual that is ascertained to be the Owner of the land,is likely to be more authentic than buying from the Community!Be more thorough ,when buying from the Community!

21.Immediately you buy the land, start building ,do not buy a land ,when you are not ready to build ,else you may lose your land and your money !

Goodluck.

22/03/2019

NATIONAL HOUSING FUND ACT – ON THE CUSP OF ANOTHER

STATUTORY DEDUCTION

1.0 INTRODUCTION

The National Housing Fund (NHF) Act No. 3 of 1992 (NHF Cap. N45 Laws of Federation of Nigeria (LFN) 2004) commenced operation on January 31, 1992 with the broad aims and objectives to facilitate mobilization of funds for housing development. A new Act is being enacted known as NHF (Establishment) Act, 2018 to repeal and replace the NHF Act Cap. N45, LFN 2004. The contributions shall be by workers earning minimum wage and above, in both public and private sectors, of the economy including banks, Insurance companies as well as Pension Fund Administrators.

A statutory deduction of 2.5% of the monthly income of the employee is expected as contribution to the fund. The same is applicable to all self-employed persons.

The banks, registered insurance companies and Pension Fund Administrators are required to invest a minimum of 10% of their Profit before Tax at interest rates not exceeding 1% above the interest rate payable on current accounts by Banks.

2.0 YET ANOTHER STATUTORY DEDUCTION

The Act is not new to the body of Nigerian laws. A difference between the new Act and the former is the shift in the bases of the deduction from basic monthly salary to monthly income. It is also a statutory deduction the same way the Pensions Reforms Act of 2014 repealed and replaced those of 2004, placing a higher savings burden on employees and employers and requiring Employers to enforce the Act. Its comparison with the Nigerian tax system is, at best a choice denominator, for analysis of one deduction over another, from a worker’s salary.

The new Act however requires the Federal Inland Revenue Service (FIRS) to impose and collect 2% levy of the value of imported and locally produced cement. This is rather misplaced, as a Sister agency of the FIRS i.e. Nigeria Customs Service collects import levies (including levies other than import duties, as prescribed from time to time) and excise duties in Nigeria on behalf of the Federal Ministry of Finance. To request the FIRS to collect the levies is surplus to requirement.

3.0 IMPLICATIONS

The Nigerian worker is faced with the stark reality of complying with this statutory deduction that had hitherto remained comatose, before now. A potential issue for this new piece of legislation is the definition of monthly income. This was loosely used by the Act when compared with the provisions of the Pensions Reforms Act, which made better attempt to define emoluments.

Full implementation of the new Act would expectedly mean workers, especially those on the lower rung of the ladder, being impacted the most in terms of their spending power and their welfare, ultimately. If implementation is not properly calibrated, it forebodes weaker consumer spending in an already fragile economy that needs sustained stimulus for accelerated growth. On the bright side, their contributions would include the prospects of starting out early in the hope of owning a home someday which would be repayable over a long period of time.

There is scope for the government to amend the Personal Income Tax Act with a view to bringing succour to the Nigerian worker who has witnessed decline in welfare overtime. Government’s infrastructural tax incentives to Corporate Nigeria should have a household counterpart.

4.0 CONCLUSION

The nature and tenure of funding housing development and most of the sources of fund in the Act are no strange bedfellows. Except for deposit money banks that offer shorter tenor loans in the Nigerian financial space, others are longer fund holders that could therefore, be channeled towards real estate development.

Government must also not be remiss to the fact that it can solely provide housing to the over 17 million households in need of one in Nigeria. The Public-Private partnership for development and delivery of housing units should also apply here, on terms that are not materially different from those being directly provided by the government.

More importantly too is the need to fix our Land Use Act of 1978 in order to address the ease of land acquisition and use.

Finally, government must use its obligation to contribute to the scheme as a lever for accelerating fund mobilization and delivery of the housing as a means of redistributing and relieving ordinary Nigerians of the burden of welfare.



Adefisayo Awogbade, M.Sc, FCTI,

Registrar/Chief Executive,

Chartered Institute of Taxation of Nigeria

04/03/2019

Finally, it's justice for the weaker vessel:

A woman that has children for her husband and had married him before a house is built has the right to live in the house with her children even after divorce under the provisions of the Married Woman Property Act 1882, a court held on Friday in Ibadan, Oyo State.
The belief that patriarchy is so entrenched in the Nigerian system and women have no rights even under the law has been proved to be an erroneous one, majorly propounded by those ignorant of the rights provided under the law, the court said in a landmark judgement.
The provisions of the Married Woman Property Act 1882 formed the basis of the pronouncement of the Chief Judge of Oyo State, Justice Munta Abimbola, on Friday in a property suit between a divorced couple, Toyin Arajulu, formerly known as Mrs Toyin James and her former husband, Mr James Monday.
The court held that “a husband who marries a wife and builds a house during the pendency of the marriage stands the risk of losing that house if he later divorces the woman who had children for him unless such woman, of her own volition, leaves the matrimonial home.”
Justice Abimbola, while ruling on the matter, emphasised what is known in law as the “palm tree justice,” which indicates that it does not matter in whose name the property stands or who pays what (on the property) and in what proportion as determination of such matters transcends all rights, legal or even equitable, but simply what order is fair and just in the circumstances of the case, citing the case of Home Vs Home (1962) 1 WLR 1124 at 1128.S 17 Married Woman Property Act 1882, which is a statute of general application.
Toyin Arajulu had filed the suit against her ex-husband, Monday James, who she married under Native Law and Customs in 1997 and for whom she had four children.
She claimed that while she was married to him, they had put resources together and built two flats of three bedrooms at Ayedun in Akure, Ondo State and procured a plot of land at No 7, Fadana Biala Estate, Olodo, Ibadan, where they built a three-bedroom flat and a storey building which is still under construction before their divorce in July 2014.
She averred that before the divorce, her husband had moved out of their matrimonial home in Olodo but only came constantly to try to forcibly eject her and the children, usually accompanied by thugs who attacked her and her children.
She added that on August 15, 2014, one of her children, Bidemi James, was wounded in one of the episodes of attempted violent eviction and the sum of N530,000 from her business taken by her ex-husband and his accomplices.
She claimed that he had concluded plans to sell off the joint property without her consent and had continued to victimise her and the children, asking the court for a declaration that the property is jointly owned by the two of them and an order that the landed property with the three-bedroom flat and uncompleted storey building be sold and proceeds divided equally between them and an order of perpetual injunction restraining James from harassing her and the children.
In his counter claim and defence, the ex-husband stated that when he bought and constructed the Akure property, his wife was a full housewife and had no contribution to the project, adding that the situation was the same for the Ibadan property as his wife only signed as a witness as she had no job and only depended on what he gave her to take care of the children when he travelled out of the country.
According to him, she was only trying to fraudulently take over his property, adding that her claims were vexatious, gold digging and an abuse of court process.
He also asked the court to declare that the receipts of purchase his ex-wife presented were forged and that she should vacate possession of the property which she had refused to give up despite service of statutory seven days owner’s intention to recover possession and perpetual injunction restraining her from occupying the building.
Justice Abimbola, while ruling on the case, held that the landed property at No 7, Fadana Biala Estate, Olodo, Ibadan, together with the three-bedroom flat and uncompleted storey building is jointly owned by the two.
On the second relief that both buildings be sold as requested by Toyin, Justice Abimbola held that, “I will not give such orders in respect of the two buildings. Particularly, Section 17 Married Women Law of Oyo state Cap 83, Laws of Oyo state 2000 gives a court the discretion as it thinks fit on the issues of title of possession to property.
“Section 18 also enjoins the court to treat such property as a joint property if the issue has to do with the maintenance of a matrimonial home. My order to this effect is that the completed three-bedroom flat on the land be retained as the matrimonial property and the four children are entitled as beneficial owners by way of a resulting trust created for them by their parents. The mother, as long as she remains unmarried, is directed to be in possession undisturbed in order to take care of her children.
“The uncompleted storey building is ordered to be sold by both parties and the proceeds divided in equal share. The half share shall go to the wife for the maintenance of the children. A divorced wife has no business being maintained,” Justice Abimbola held.
The court also restrained James from harassing Toyin any further or disturbing the quiet possession of the property by her and the children, holding that, “the rationale is that a husband who marries a wife and builds a house during the pendency of the marriage stands the risk of losing that house if he later divorces the woman who had children for him unless such woman, of her own volition, leaves the matrimonial home. Also, a divorced woman is not entitled to any maintenance allowance but maintenance of the children by way of settlement.”

16/02/2019

HOW TO CLAIM THE PROPERTY OF A DECEASED IN NIGERIA.
If someone has died leaving behind money in the bank, landed properties or personal belongings, and you want to take over these assets, or want to administer, manage, distribute, or sell off the assets; the following is a guide on what you need to do.
What You Should Note
The estate of the deceased is vested in the Chief Judge of the State. Before you can take over or assume control over the estate of someone who has died, you have to first obtain the letter of administration from the Probate Court to become the administrator of the deceased's estate. Without being appointed the administrator, meddling with the estate of the Deceased is illegal and you may face civil and criminal liabilities.
When Can You Be Granted the Letter of Administration?
A letter of administration may be granted after 14 days, where the deceased died intestate (i.e. without leaving a valid Will); or 7 days where there is partial intestacy. Partial intestacy may arise where there is absence of residuary clause in a valid Will; or where the testator (the deceased) does not have executors to carry out his instruction as contained in the Will. Not having executor(s) may arise where the deceased made a Will without appointing executors; or the executors who he appointed had died; or the executors are underage; or the executors are resident abroad, or have refused to act or have renounced the probate.
Who Is Entitled to Obtain the Letter of Administration over the Deceased Estate?
Where the deceased had married his spouse under the Marriage Act (what in layman's term is known as "White Wedding" or "Court Marriage"), he is not subject to the traditional practice of inheritance or succession principle under his native law and custom. In other words, the distribution and inheritance of his property or succession to his estate will be based on the Administration of Estate Law, and not according to the local traditions and native laws and customs of the locality he hailed from.
The following is the order of priority of persons entitled to the grant of probate in testate succession (i.e. with Will annexed):
1. The executor;
2. Any residuary legatee holding in trust for any other person (that is, where the residuary estate is subject to a trust);
3. Any residuary legatee or devisee for life;
4. The ultimate residuary legatee or devisee, including one entitled on the happening of any contingency;
5. Any specific legatee or devisee or creditor or their personal representative;
6. Any specific legatee or devisee entitled on the happening of any contingency, or next-of-kin.
The order of priority of persons entitled to grant of letters of administration in intestate succession (i.e. without Will attached) are as follows:
1. The surviving spouse
2. Children of the deceased or grandchildren of deceased whose parent died during the life time of the deceased.
3. Father or mother of the deceased.
4. Brothers or sisters of the deceased of full blood
5. Half Brother(s) and sister(s) of the Deceased.
6. Grandfather or grandmother of the deceased.
7. Uncles and Aunts.
8. Creditors of the deceased.
9. Administrator-General
How to Obtain Letter of Administration (With Will Attached)
Where the deceased died testate (with a valid Last Will), you need to consult a Solicitor to make an application on your behalf to obtain the Letter of Administration. The Solicitor shall satisfy the Probate Registrar about the reason for the absence of the executor that was appointed by the deceased in his Will. The Solicitor shall lead evidence to prove that the executor is dead, or he renounced his executorship, or he is an infant, or he is abroad and has appointed an attorney to apply for the grant, any of these facts must be proved by tendering the relevant documents. Thereafter, the Probate Registrar shall inspect the Will to ensure that it was properly executed and attested.
How to Obtain Letter of Administration (Without Will Attached)
In some states, the law prescribes a minimum of 2 persons and maximum of 4 persons to administer the estate of the deceased, except predicated on a legal exception. Thus, if you and 1 or 3 other family members fall suitably amongst the persons listed above in their order of priority, what you need to do to obtain the Letter of Administration where the deceased died intestate (without a valid Last Will) is to consult a Solicitor who will make an application to the Probate Registrar on your behalf.
What Documents May be Required for the Grant of Letter of Administration?
At the consultation with your Solicitor, you will need to present the originals of the following documents:
1. Death Certificate of the deceased obtained from the National Population Commission
2. Marriage Certificate/Affidavit of Marriage of the deceased and his spouse
3. Certified True Copy of the deceased record of service (if he was a public officer and you want to receive his salary/pension arrears)
4. Retirement Letter/Pension ID Card (if the deceased was a pensioner)
5. Passport photographs and valid means of identification of you and other proposed administrators.
You will further provide the following details: Full names of the deceased; Date of birth of the deceased; Last known address of the deceased; Occupation of the deceased; Marital status of the deceased; Name of deceased' spouse and children (if any); Date and place of death of the deceased; Your name and the names of the other proposed administrators; Relationship between the deceased and you and other proposed administrators).
Actions Your Solicitor Will Take
1. Obtaining Authority to Act. After due consultation and evaluation of the documents and information you have provided, the Solicitor will issue you a letter of engagement to sign and to act on your behalf in connection with obtaining the Letter of Administration (with or without Will annexed) from the Probates Registry.
2. Formal Application. Your Solicitor shall submit an Application letter in prescribed form and may accompany same with copies of the documents listed above and the following documents:
1. Oath of Administration (with or without Will attached)
2. Administration Bonds (with or without Will attached)
3. Renunciation of administration (Will attached)
4. Statutory Affidavit of the next of kin
5. Inventory of moveable and immovable assets of the deceased
6. Schedule of Debts owed by the deceased
7. Justification of sureties
8. Particulars of freehold/leasehold property left by the deceased.
9. Schedule of Funeral Expenses of the deceased
10. Bank or Share Certificate (showing the balances of the deceased's bank account(s) or company shareholding, respectively).
3. Publication of Notice . Your Solicitor shall thereafter notify the general public by way of publication in a newspaper, a Notice of Application for the Grant of Letters of Administration over the deceased's estate in the name of the proposed administrators.
4. Court Representation. Where there is an objection to the Application for the Grant of Letters of Administration over the deceased's estate in your name or the other proposed administrators, your Solicitor shall issue a Warning to the Caveator(s) and a writ for the Probate Court to determine the merit or otherwise of the caveat for the purpose of granting or refusing the grant of the Letter of Administration. Where at the expiration of the publication notice, there is no objection entered by way of caveat, your Solicitor shall move the Probates Court to proceed to grant the Letter of Administration in favour of the proposed administrators.
5. Payment of Prescribed Fees. In the course of obtaining the Letter of Administration, your Solicitor may be required to pay certain fees such as: Publication Fee, Estate Fee, etc. as administrative charges and government taxes.
6. Collection of Letter of Administration. After due compliance with all the laid down requirements, the Probate Registrar shall direct a grant of Letter of Administration Order to be enrolled for the Chief Judge of the State to sign. Thereafter, the final instrument of the Grant of Letter of Administration is prepared and signed by the Probate Registrar for collection. Letter of Administration will be issued to you through your Solicitor. Armed with the Letter of Administration, you and other named Administrators shall have the legitimate power and authority to take over full control of the estate of the deceased, and have the power to manage, share, distribute, or sell the deceased's estate, or initiate or defend legal proceedings thereto.
WHAT TO DO NEXT?
It may interest you to know that even where you are one of the persons suitably entitled to obtain the letter of administration of the deceased's estate, the law does not make it automatic for you and other proposed administrators to meddle with the estate of the deceased in any manner without the Letter of Administration obtained. Doing so may cause you to be prosecuted for both civil and criminal liabilities. Letter of Administration will be granted through an Order of the Chief Judge of the State who is the head of the Probate Court.
Obtaining the Letter of Administration is, however, a very rigorous process and fraught with procedural and technical complexities. It is important you seek legal guidance and help from a Solicitor who will assist you to apply and obtain the letter with ease, devoid of the problems and frustration associated with that process.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.
For further guidance call 08030738238

23/10/2017

EBUN-OLU ADEGBORUWA ESQ SAYS
INTERIM ORDER OF FORFEITURE OF MONEY IN ALL BANKS IS ILLEGAL
I’ve received the certified true copy of the interim orders of the federal high court, coral Dimgba, J., granting various interim orders in favour fo the federal government of Nigeria, against all accounts in all banks that have no BVN. The said orders were said to have been granted at the behest of the Honorable Attorney-General of the Federation.
I am very well concerned about how we deploy interim orders for permanent purposes, such as to forfeit valuable assets, without any or fair hearing from the person(s) concerned.
I think it is improper to obtain interim orders to freeze bank accounts of estates that are in dispute between the beneficiaries, of estates of deceased persons that are still being contested, of profits of companies that are still subject to litigation or other disputes, just to mention a few examples of the arbitrariness of these orders.
There is nothing in section 3 of the Money Laundering (Prohibition) Act 2011, that makes BVN a condition precedent for operating a bank account in Nigeria. Nothing at all. What the law requires is verifiable identity of the customer, such as name, address, photographs, identity cards, etc. BVN is policy decision of the Central Bank of Nigeria and a court of law should not based its orders on executive policies that are not backed by law.
I get truly worried with the way we adopt ex-parte applications to determine very serious and weighty issues of law.
The other point is the bindingness of an ex-parte Order upon the whole world and upon all millions of bank customers in Nigeria, who are not directly parties to the suit. How proper is it, for a court to seek to determine the rights of parties in their absence, in view of the clear provisions of section 36(1) of the 1999 Constitution and Article 7 of the African Charter.
Why this desperation, if one may ask? I support that money suspected to be proceeds of crime should be traced, isolated and forfeited, if the owner cannot successfully account for it. But to proceed to seek to forfeit all monies in all banks meant for all customers in Nigeria, on the ground of absence of BVN is manifestly illegal.
I therefore humbly urge the Honorable Attorney-General of the federation to review this case with a view to tempering the tenor of these rather outlandish orders.
The quest to scoop revenue for government should not be at the detriment of the constitutional and fundamental rights of the citizens. Which is why I have been praying that these orders are not real, but rather one of the usual social media gimmicks.
As it is said, take away your prosperity, take away your kindness and goodwill, but by all means just give me my rights and my freedoms.
Thank you all.
Ebun-olu Adegboruwa, Esq.,

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Ibadan

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