How to choose your workmen in Lagos Nigeria?
Hi Friend,
Honest
Have integrity
Professional
Provide excellent service
IT literate – if applicable
Ask yourself, does this workman or woman meet this criteria? If not, ditch them.
Thank you for your time.
I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302
Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design
Showing posts with label mortgages. Show all posts
Showing posts with label mortgages. Show all posts
Thursday, 4 March 2010
Saturday, 27 February 2010
Buy and Own A Shop at Oshodi, Lagos, Nigeria. From N1.1M! 40% Mortgage Opportunity!
LOCATION: Close to Oshodi Market, Lagos State
1. TYPE OF SHOP: Lock Up
PRICE: N 1.3 Million Naira (One Million Three Hundred Thousand Naira) – Upstairs Shop
PRICE: N 1.5 Million Naira (One Million Five Hundred Thousand Naira) – Downstairs Shop
2. TYPE OF SHOP: Lock up with Shared toilet
PRICE: N 1.1 Million Naira (One Million One Hundred Thousand Naira) – Upstairs at the back
FACILITIES IN THE MARKET:
Borehole
Drainage
TYPES OF PAYMENT PLANS
a) MORTGAGE AVAILABLE: Yes
% MORTGAGE AVAILABLE: 40% -
% DEPOSIT REQUIRED: 60% -
MORTGAGE INTEREST RATE: 15%
HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months
b) OUTRIGHT PURCHASE: Yes
NO OF UNITS AVAILABLE: 40
WHEN DO YOU GET YOUR KEYS TO YOUR SHOP: Immediately after payment
FEES
Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000
MORTGAGE FEES
Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway,
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
1. TYPE OF SHOP: Lock Up
PRICE: N 1.3 Million Naira (One Million Three Hundred Thousand Naira) – Upstairs Shop
PRICE: N 1.5 Million Naira (One Million Five Hundred Thousand Naira) – Downstairs Shop
2. TYPE OF SHOP: Lock up with Shared toilet
PRICE: N 1.1 Million Naira (One Million One Hundred Thousand Naira) – Upstairs at the back
FACILITIES IN THE MARKET:
Borehole
Drainage
TYPES OF PAYMENT PLANS
a) MORTGAGE AVAILABLE: Yes
% MORTGAGE AVAILABLE: 40% -
% DEPOSIT REQUIRED: 60% -
MORTGAGE INTEREST RATE: 15%
HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months
b) OUTRIGHT PURCHASE: Yes
NO OF UNITS AVAILABLE: 40
WHEN DO YOU GET YOUR KEYS TO YOUR SHOP: Immediately after payment
FEES
Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000
MORTGAGE FEES
Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway,
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
FOR SALE - 3 Bed Flat N13M at Ikeja, Lagos! 40% Mortgage. 15% Int Rate
LOCATION: Ikeja, Lagos State
TYPE OF PROPERTY: 3 Bedroom Flat
PRICE: N13 Million (Thirteen Million Naira)
PROPERTY FACILITIES:
Guest toilet
All Rooms En-suite
Master Bedroom has En-suite
Bedroom 1
Bedroom 2
Bedroom 3
Kitchen
Store
Lounge
Dining Area
ATTRACTIONS CLOSE TO THE ESTATE:
Muritala International Airport
FACILITIES ON THE ESTATE:
Perimeter Fencing
Borehole
Well Paved Estate Road
Drainage
Central Estate Security
TYPES OF PAYMENT PLANS
a) MORTGAGE AVAILABLE: Yes
% MORTGAGE AVAILABLE: 40% - N5.2Million
% DEPOSIT REQUIRED: 60% - N7.8Million
MORTGAGE INTEREST RATE: 15%
HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months
REDUCING BALANCE MORTGAGE:
b) OUTRIGHT PURCHASE: Yes
HOW MANY % DISCOUNT FOR PAYING OUTRIGHT?: 3%
c) INSTALMENTAL PAYMENTS
40% = N5.2 Million (first payment due in the next 2 months),
30% = N3.9Million (second payment due in the next 4 months),
30% = N3.9Million (third payment due in the next 6 months).
HOW LONG DO I HAVE TO PAY THE INSTALMENTS? 6 months
NO OF UNITS AVAILABLE: 50
NATIONAL HOUSING FUND MORTGAGE: No
WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 6 months after payment
HOW MANY FLATS IN A BLOCK: 4
CAN YOU FENCE YOUR PROPERTY?: No
ARE PEOPLE LIVING IN THE ESTATE? Yes
FEES
Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000
MORTGAGE FEES
Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
TYPE OF PROPERTY: 3 Bedroom Flat
PRICE: N13 Million (Thirteen Million Naira)
PROPERTY FACILITIES:
Guest toilet
All Rooms En-suite
Master Bedroom has En-suite
Bedroom 1
Bedroom 2
Bedroom 3
Kitchen
Store
Lounge
Dining Area
ATTRACTIONS CLOSE TO THE ESTATE:
Muritala International Airport
FACILITIES ON THE ESTATE:
Perimeter Fencing
Borehole
Well Paved Estate Road
Drainage
Central Estate Security
TYPES OF PAYMENT PLANS
a) MORTGAGE AVAILABLE: Yes
% MORTGAGE AVAILABLE: 40% - N5.2Million
% DEPOSIT REQUIRED: 60% - N7.8Million
MORTGAGE INTEREST RATE: 15%
HOW LONG DO YOU HAVE TO PAY MORTGAGE FOR: 48 months
REDUCING BALANCE MORTGAGE:
b) OUTRIGHT PURCHASE: Yes
HOW MANY % DISCOUNT FOR PAYING OUTRIGHT?: 3%
c) INSTALMENTAL PAYMENTS
40% = N5.2 Million (first payment due in the next 2 months),
30% = N3.9Million (second payment due in the next 4 months),
30% = N3.9Million (third payment due in the next 6 months).
HOW LONG DO I HAVE TO PAY THE INSTALMENTS? 6 months
NO OF UNITS AVAILABLE: 50
NATIONAL HOUSING FUND MORTGAGE: No
WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 6 months after payment
HOW MANY FLATS IN A BLOCK: 4
CAN YOU FENCE YOUR PROPERTY?: No
ARE PEOPLE LIVING IN THE ESTATE? Yes
FEES
Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000
MORTGAGE FEES
Perfection Fee
Mortgage Protection Insurance
Fire Insurance
Infrastructural Development Cost
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
FOR SALE - 2 Bed Flat N9M. Mortgage - 12 Months Interest Free!
Hi Friend,
LOCATION: Arepo, after Ikeja Tollgate, Lagos State
TYPE OF PROPERTY: 2Bedroom Flat
PRICE: N 9Million Naira (Nine Million Naira)
TYPE OF PROPERTY: 4 Bedroom Flat
PRICE: N 13.5 Million Naira (Thirteen Million Five Hundred Thousand Naira)
FACILITIES:
Guest toilet
Bedroom 1 - ensuite
Bedroom 2 - ensuite
Hallway
Kitchen
Store
Lounge
Dining Area
FACILITIES ON THE ESTATE:
Perimeter Fencing, Borehole, Overhead Tank, Dedicated Transformer, Well Paved Estate Road, Drainage, Central Estate Security
ATTRACTIONS CLOSE TO THE ESTATE:
10 mins to Lagos State Secretariat
TYPES OF PAYMENT PLANS
a) MORTGAGE AVAILABLE: No
b) OUTRIGHT PURCHASE: Yes
c) INSTALMENTAL PAYMENTS: 12 months
NO OF UNITS AVAILABLE: 4
WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 4 - 6 months after payment
HOW MANY FLATS IN A BLOCK: 6
FEES
Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
LOCATION: Arepo, after Ikeja Tollgate, Lagos State
TYPE OF PROPERTY: 2Bedroom Flat
PRICE: N 9Million Naira (Nine Million Naira)
TYPE OF PROPERTY: 4 Bedroom Flat
PRICE: N 13.5 Million Naira (Thirteen Million Five Hundred Thousand Naira)
FACILITIES:
Guest toilet
Bedroom 1 - ensuite
Bedroom 2 - ensuite
Hallway
Kitchen
Store
Lounge
Dining Area
FACILITIES ON THE ESTATE:
Perimeter Fencing, Borehole, Overhead Tank, Dedicated Transformer, Well Paved Estate Road, Drainage, Central Estate Security
ATTRACTIONS CLOSE TO THE ESTATE:
10 mins to Lagos State Secretariat
TYPES OF PAYMENT PLANS
a) MORTGAGE AVAILABLE: No
b) OUTRIGHT PURCHASE: Yes
c) INSTALMENTAL PAYMENTS: 12 months
NO OF UNITS AVAILABLE: 4
WHEN DO YOU GET YOUR KEYS TO YOUR PROPERTY: 4 - 6 months after payment
HOW MANY FLATS IN A BLOCK: 6
FEES
Management Fee 1%
Processing Fee 1%
Legal Fee 1%
Agency Fee 5%
Application Form N10,000
Adorn Homes Application Form N10,000
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
Friday, 26 February 2010
Be A Shop Owner in Ibadan! For Sale - from N2.5M! 50% Mortgage Available!
I am a UK Mortgage Broker and a Real Estate Agent.
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
Mrs Olubola Adeleye
Adorn Homes Ltd. RC 860200
Ground Floor, Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24, Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2347087499733
Tel: +2347041374302
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Surveys * Building Materials * Consultancy * Audio-books * Interior Design
Monday, 8 February 2010
Buy all your wholesale hair products at marina lagos Nigeria
Buy all hair products at Marina Lagos Nigeria
Hi Friend,
If you are a woman or you have daughters or sisters, then, this topic will be applicable.
The best place to buy hair products or cosmetics is at Marina or Apogbon in Lagos, Nigeria.
When you get to Marina, ask for Breadfruit Street or where they sell hair products in wholesale quantities.
They will still sell even though you are just buying one item from them.
Remember to haggle, or price it or “na oja” or price the market.
When at the market, speak in Yoruba or Pidgin English. Don’t speak, proper English. They will charge three times the price.
For instance, you say, “How much is Expression Hair?”
The seller will look at you from head to toe and quickly figure out how much she will charge you.
Seller replies, “500 Naira”.
You say, “Haba, na wetin, 250 Naira”.
Seller replies, “350 Naira”.
You insist on “250 Naira”.
Wait for her reply.
If she says, 300 Naira.
You still insist 250 Naira.
Again, wait for her reply. If she wants to sell, she will say come and take it.
Walk away. (this is a common tactic that works in the market)
She will call you back and say, come and pay.
In Lagos, if you are in the market and you want to buy anything, whatever price they call it, cut it into half.
Dress down when going to the market. Wear jeans or Ankara and no jewelry.
If you go out with a relative or friend who lives in Nigeria. Don’t speak while they are haggling. Just look and pretend that, what you are buying is not yours.
You will save yourself some cool Naira by following these rules.
Thank you for your time.
I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.
Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302
Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design
Hi Friend,
If you are a woman or you have daughters or sisters, then, this topic will be applicable.
The best place to buy hair products or cosmetics is at Marina or Apogbon in Lagos, Nigeria.
When you get to Marina, ask for Breadfruit Street or where they sell hair products in wholesale quantities.
They will still sell even though you are just buying one item from them.
Remember to haggle, or price it or “na oja” or price the market.
When at the market, speak in Yoruba or Pidgin English. Don’t speak, proper English. They will charge three times the price.
For instance, you say, “How much is Expression Hair?”
The seller will look at you from head to toe and quickly figure out how much she will charge you.
Seller replies, “500 Naira”.
You say, “Haba, na wetin, 250 Naira”.
Seller replies, “350 Naira”.
You insist on “250 Naira”.
Wait for her reply.
If she says, 300 Naira.
You still insist 250 Naira.
Again, wait for her reply. If she wants to sell, she will say come and take it.
Walk away. (this is a common tactic that works in the market)
She will call you back and say, come and pay.
In Lagos, if you are in the market and you want to buy anything, whatever price they call it, cut it into half.
Dress down when going to the market. Wear jeans or Ankara and no jewelry.
If you go out with a relative or friend who lives in Nigeria. Don’t speak while they are haggling. Just look and pretend that, what you are buying is not yours.
You will save yourself some cool Naira by following these rules.
Thank you for your time.
I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.
Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302
Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design
You need 3 personal bank accounts in lagos Nigeria if you have a business
You need 3 personal bank accounts in Lagos Nigeria if you have a business
Hi Friend,
If you have a business in Lagos Nigeria, you need at least 3 personal or corporate bank accounts to survive and live stress free.
If you have one bank account and you need to withdraw some money. Let’s say, you rush to the bank at 3pm. And they tell you that, the systems are down and you can’t withdraw money. What will you do? You will quickly look for the nearest GTB bank and get your money, “fast fast”.
The systems are down is a common statement by bankers in Lagos. Expect it.
You need to be aware of some factors before choosing a bank and an account. They are:-
COT charges – you will have to pay N5 for every N1000, that goes into your account. If you operate in the millions, that is a lot of charges. First Bank offers a “No COT Charges” if you leave 50,000 naira in your account. This is the cheapest I have seen so far for a Corporate Account. The others like Zenith Bank and Bankphb are saying, I have to leave 500,000 naira in my corporate account, everytime before I can enjoy d “no COT charges” service.
SMS Alert – most of the banks offer this due to the fraud. But, 419er can arrange with your bank manager not to send an alert until after they have cleared your account. Know your bank manager and give them “egunje” on a regular basis.
Internet banking service
Fast service
Relationship Manager – request for one, if not offered. Make this person your friend.
I cannot use Fidelity bank, Spring Bank, and Union Banks. This is the internet age and they are not keeping up the trend.
I can recommend GTB (quality & exceptional service), Bankphb (great products, fast sms alerts & quality relationship managers), First bank (your money is safe, slow people) and Zenith (fantastic service & professional).
Check out the charges on your Non-Nigerian accounts. These are accounts opened for you with your address in the UK or US. I close all my accounts before coming back home.
Thank you for your time.
I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.
Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302
Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design
Hi Friend,
If you have a business in Lagos Nigeria, you need at least 3 personal or corporate bank accounts to survive and live stress free.
If you have one bank account and you need to withdraw some money. Let’s say, you rush to the bank at 3pm. And they tell you that, the systems are down and you can’t withdraw money. What will you do? You will quickly look for the nearest GTB bank and get your money, “fast fast”.
The systems are down is a common statement by bankers in Lagos. Expect it.
You need to be aware of some factors before choosing a bank and an account. They are:-
COT charges – you will have to pay N5 for every N1000, that goes into your account. If you operate in the millions, that is a lot of charges. First Bank offers a “No COT Charges” if you leave 50,000 naira in your account. This is the cheapest I have seen so far for a Corporate Account. The others like Zenith Bank and Bankphb are saying, I have to leave 500,000 naira in my corporate account, everytime before I can enjoy d “no COT charges” service.
SMS Alert – most of the banks offer this due to the fraud. But, 419er can arrange with your bank manager not to send an alert until after they have cleared your account. Know your bank manager and give them “egunje” on a regular basis.
Internet banking service
Fast service
Relationship Manager – request for one, if not offered. Make this person your friend.
I cannot use Fidelity bank, Spring Bank, and Union Banks. This is the internet age and they are not keeping up the trend.
I can recommend GTB (quality & exceptional service), Bankphb (great products, fast sms alerts & quality relationship managers), First bank (your money is safe, slow people) and Zenith (fantastic service & professional).
Check out the charges on your Non-Nigerian accounts. These are accounts opened for you with your address in the UK or US. I close all my accounts before coming back home.
Thank you for your time.
I relocated from the UK back to Nigeria and I have decided to share my life experiences to make your journey back home to Nigeria an easier one!
My office details are below, if you need any further assistance.
I am a UK Mortgage Broker and a Real Estate Agent who sell lands, properties, lets properties, manage properties, assists clients with buying their property in an estate and under mortgage.
Adorn Homes Ltd. RC 860200
Suite 105 Pearl Plaza,
After Doren Hospital,
Km 24 Lekki Epe Expressway
Ajah
Lagos State
Tel: +2347065221108
Tel: +2348078338263
Tel: +2347041374302
Email: adornhomes@yahoo.com
Email: adornhomes@gmail.com
Sales * Lettings * Mortgages * Property Management *UK Mortgages * Estates * Consultancy * Audio-books * Interior Design
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Olubola Adeleye
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