A CRITICAL APPRAISAL OF BANK CUSTOMER RELATIONSHIP IN ENUGU (A CASE STUDY OF FIRST BANK OF NIGERIA PLC ENUGU)
A CRITICAL APPRAISAL OF BANK CUSTOMER RELATIONSHIP IN ENUGU
(A CASE STUDY OF FIRST BANK OF NIGERIA PLC ENUGU)
The major problem that has been working against the good Banker – customer relationship in the bank is that of rather lax attitude of the Bank staff of the bank. This is as reflected in the behaviour our of bank cashier to the customers of their employers, it is almost daily.
Occurance to her abuses flowing from bank staff to their customers and vice – vasa over the protracted delay in completing simple bank transaction. Put tersely, the problem it that of poor human relationship in the bank. The causes of this include the fact that the bankers did not present themselves as business partner. Rather, it was a master servant relationship. The long hour spent by customers waiting either to deposit or to withdraw funds or cash cheques attest to this.
However, in order to curb this ugly situation in the bank effective human relatives should get the attention of the bank. The bank should strive hard to prepare their front office personal by way training in human psychology so as to satisfy the various shades of human temperament. They come across everybody of operation.
These people include: cashier, receptionist teller accountants, security men and even managers should be versed in human relations.
Computerization of banking operation should be embraced by the bank to ease such operation and reduce the much complained about delayed in all spheres of the banks operation. The computer will aid the bank in accelerating the speed with which records are cleared and paid, thereby saving precious time and money of both the bank and its customers.
Effective communication, customers relations, staff training product, packaging and innovation also have to be practice in the bank.
Recommendations were made based on the findings of the research deduced from the analyzed data.
LIST OF TABLES (VII)
iii. Rating of the quality of banks services by bank customers.
CHAPTER ONE
1.1 Statement of the problem 6
CHAPTER TWO
2.1 The relationship between first bank of Nigeria and its customers. 16
Reference 45
CHAPTER THREE
3.1 Sources of data: 46
32 Area of the study 49
CHAPTER FOUR
4.1 Data analysis 57
Reference 77
CHAPTER FIVE
5.1 Findings 78
Reference 93
Bibliography 96
Any customer going to transact business at First bank of Nigeria PLC should go there for well furnished with time and patience you ever can say. The gate at Nigeria banks gives you the idea of what you expect inside.
First of all, you meet stem – looking security guards, kill and go abstain dogs and officious bank messengers who remind you that banks not the place to expect hospitality. In Nigeria, every bank customer is deemed to be an armed robber.
At the counter, you meet a cashier who fiddling with the rubber stamp in an attempt to change the date, is really not interested in your greeting. Say a good moving and his reply is “Wait first, I am coming”. The above quoted passage from a piece under the title of “ the methods of Nigeria banks” by Amby Njoku Snr, in the Sunday times of 25th May 1998, may sound to be an exaggeration of the true position. However, to my mind, the passage is a classic and indeed, most appropriate illustration of the percentage of the average Nigeria bank by the average member of the public. If my view about the said passage is correct, the question may well be asked, what are the factors responsible for such rather unflattering image of our banks?
In 1986, the then federal ministry of finance, Arichu Okongwu criticized the dilatory procedures of First bank of Nigeria PLC. By saying that he does not ”Personally see why a customer should spend more than fifteen minutes to withdraw money from his or her accounts” the then honourable minister merely expressing the hope of thousands of customers who have had unfortunate experiences, while trying to transact very simple banking business.
What of the issue of fraud, fraud had eaten deep into the main fabrics of our banking system, which First bank of Nigeria is not left out. It is now of great concern among banking households, corporate bodies and the government alike.
It has assumed a magnificent proportions that if nothing is done, the confidence of the First Bank PLC may be affected. There are suggestions from many bank customers on how frauds can be checked in the banks.
In essence, as Mr. S.E. Ekezie rightly put it, “Customers are frustrated by the slow rate of change in the banking industry, vis-à-vis” the time wastage, the development and introduction of new products and services, and the implementation of sales (both old and new) and delivering methods.
With all the sophisticated marketing technique, computer models and management theories available Nigeria bankers still, may be over looking the fundamental strategy that can ensure all times success focus on customer.
The banking industry has increasingly been criticized by its customers over poor quality if services it renders t her customers. at present, First banks are notorious for their slow pace in transacting business long queues with customers waiting up to two hours to cash their cheques or make withdrawals are the order of the say. Even to obtain a cheque book is characterized by come tomorrow, come next week syndrome. Customers are treated with levity by bank staff that believes it is right to deliberately delay customers as a result of their non – challent attitude to work. It is almost a daily occurrence to hear abuses flowing from bank staff to customers and vice vasa over the protracted delay in competing simple bank transactions.
Loan seekers, like civil servants and small scale business who apply for loans from their in order to augument their monthly salaries (like for payment of school fees of their children) and to execute expansion programme often face the uncooperative attitude of these bankers. Even if then loan seekers eventually succeed in obtaining the loan, he may have waited one year or more with high interest.
Despite the backdrop on low capacity utilization in some sectors of the economy baks are seem to be making roaring business with fat profit in their kitty to show for it at the end of the day. Such profits are in customers perception mind numbering, fat or obscene particularly in the light of prevailing economic difficulties. The accusation is that such profit is not reflected in the efficiency of services rendered by the bank.
It is against this introduction that this research wish to delve into the factors responsible for the poor services rendered by the bank to its customers.
1.1 STATEMENT OF THE PROBLEM
One of the major problems that has been working against the good bank customer relationship in the First bank of Nigeria PLC is that rather lax attitude of the bank staff. This is as reflected in the behaviour of bank cashiers to the customer of their employers. It is almost a daily occurrence to hear abuses flowing from bank staff to customers and vice versa over the protracted delay in completing simple bank transaction.
There is no doubt following the formulation of strict monetary policies that sent juters down the spine of industry operation, and significant increase in the number of banks in the last five years, the banking industry now abound with new products and services all packages to attract customers e.g. is the local money transfer and WESTERN MONEY Transfer in Nigeria is designed to minimize carrying a heavy cash and delay in breaking halls among the bank that have introduce it are FIRST BANK OF Nigeria PLC.
There is however a yawning gap between what these new schemes promise and their actual performances. These packages are not accomplished with attendant incentive like quick services conveniences, credibility and well research Banking information for customers. Another problem is the inadequacy of marketing skills among bankers putting emphasis on technical expertise of the bankers do not help at all.
The level of illiteracy of some customers cannot even fill form nor write some other necessary documents as required from the bank and this types of situation causing unnecessary delay to the bank
1.2 PURPOSE OF THE STUDY
The purpose of this research is to highlight the importance of good bank customers relationship.
It is aimed at X-raying the factors responsible for the unfortunate image of First Bank with a view that the analysis put forward in this work would create the necessary climate that would usher in a new era in banker customer relationship in the country.
The study will act as a guide to both existing and prospective bankers in understanding that the customer is the “wheel” through which the whole banking industry is propelled. The study will provide solutions to the poor and inadequate marketing skills among Nigeria bankers especially in this decay of banking booming. This is because any banker who does not realize that his survival will to large extent depend on how he can incorporate the best marketing approach namely, how accurately and competently he satisfy his customers needs is just stepping on quick sand.
Therefore the study is aimed at making those bank staff members that are in the position of meeting the customers to understand the need, for them to show more politeness, dedication and efficiency in the performance of their duties.
1.3 STATEMENT OF HYPOTHESIS
For the purpose of this study, the following hypothesis are to be tested.
Ho: The First Bank of Nigeria Plc Enugu has not established good banker customer relationship.
H1: The First Bank of Nigeria Plc has established good banker customer relationship.
Ho. First Bank of Nigeria Plc has not been providing adequate services to its customers.
H2: First Bank of Nigeria Plc has been providing adequate services to its customers.
Ho: Customers have not been under minding banks for quick and excellent services.
H3: Customer have been under minding banks for quick and excellent services.
Ho: First Bank of Nigeria Plc has not been following first come first serve procedure.
H4: First Bank of Nigeria Plc has been following first come first serve procedure.
Ho: First Bank of Nigeria plc has not recognize the customer as king.
H5: First Bank of Nigeria Plc recognize the customer as king
The significance of this study is the problem of poor human relationship in the First Bank of Nigeria Plc. The cause of this includes the fact that the bankers did not present themselves as business partners rather, it was master – servant relationship.
The long hour spent by customers waiting to deposit funds or cash cheques at least to this.
1.5 SCOPE OF THE STUDY
This research work is fully detailed on the good banker – customer relationship in the First Bank of Nigeria Plc Enugu. It enumerate the responsibilities that both the bank and its customers owned as a contracted parties. The research work also highlight the importance of Bank customers to the bank that the customer is the wheel through which the whole banking industry is propelled.
The effects of the various measures adopted by the monetary authorities between 1990 to 2004 on the Nigeria banks which first bank is not left out on the hand and their customers on the other hand has received much attention in this work.
The functions of the First Bank of Nigeria Plc Enugu are not left out in the piece of work, it highlights the numerous functions or services rendered to its customers by the Bank. Other problem areas are delays and poor services that characterize banking transaction in Enugu that is caused by the non - challant attitude of the Bank staff of the banks.
1.6 LIMITATION OF THE STUDY
The main limitation of this study was the lack of sufficient information from bank officials and the bank customer. The bank officials were un co-operated as they always claim to be too busy to attend to the researcher.
Another limitation was impatience and fear of giving out enough information that the researcher requires for this project.
The next major limitation worthy of mention is the absence of data specifically meant for the first bank of Nigeria in Enugu the case study of this work.
Lastly was the issue of time allocation for this work and my academic programme and of course finance which made it impossible for me to visit all the branches of the bank in Enugu and its environs.
1.7 definition of terms
Bank: Bank for the purpose of the research work refers to only First Bank of Nigeria Plc Enugu, the case study of this work.
Customer: This term used here is only include those that runs and maintain an account in the First Bank of Nigeria Plc Okpara Avenue Enugu.
Customer loan: Loan for custome/household items such as television, Radio, Furniture etc.
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COMPLETE MATERIAL COST N2,500 Or $10. FRESH PROJECT MATERIAL COST 50,000 NAIRA FOR UNDERGRADUATE, OTHERS 100,000 -200,000 NAIRA.
THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE
Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
Account Number: 0117780667.
Swift Code: GTBINGLA
Dollar conversion rate for Naira is 175 per dollar.
ATM CARD: YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANK SECURITY FOR GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY.
OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.
form>DELIVERY PERIOD FOR BANK PAYMENT IS LESS THAN 24 HOURS
CALL OUR CUSTOMERS CARE OKEKE CHIDI C ON : 08074466939,08063386834.
AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO
08074466939 or 08063386834, YOUR PROJECT TITLE YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.
WE HAVE SECURITY IN OUR BUSINESS.
(A CASE STUDY OF FIRST BANK OF NIGERIA PLC ENUGU)
ABSTRACT
The major problem that has been working against the good Banker – customer relationship in the bank is that of rather lax attitude of the Bank staff of the bank. This is as reflected in the behaviour our of bank cashier to the customers of their employers, it is almost daily.
Occurance to her abuses flowing from bank staff to their customers and vice – vasa over the protracted delay in completing simple bank transaction. Put tersely, the problem it that of poor human relationship in the bank. The causes of this include the fact that the bankers did not present themselves as business partner. Rather, it was a master servant relationship. The long hour spent by customers waiting either to deposit or to withdraw funds or cash cheques attest to this.
However, in order to curb this ugly situation in the bank effective human relatives should get the attention of the bank. The bank should strive hard to prepare their front office personal by way training in human psychology so as to satisfy the various shades of human temperament. They come across everybody of operation.
These people include: cashier, receptionist teller accountants, security men and even managers should be versed in human relations.
Computerization of banking operation should be embraced by the bank to ease such operation and reduce the much complained about delayed in all spheres of the banks operation. The computer will aid the bank in accelerating the speed with which records are cleared and paid, thereby saving precious time and money of both the bank and its customers.
Effective communication, customers relations, staff training product, packaging and innovation also have to be practice in the bank.
Recommendations were made based on the findings of the research deduced from the analyzed data.
LIST OF TABLES (VII)
- Number of questionnaires distributed and number of responses receives.
- Responses received with regard to whether the bank treat their customers as “Kings”.
iii. Rating of the quality of banks services by bank customers.
- Rating of the quality of banks services by bank staff
- Combination of table (iii) and (iv)
CHAPTER ONE
- INTRODUCTION 1
1.1 Statement of the problem 6
- Purpose of the study 7
- Statement of hypothesis 9
- Significance of the study 10
- Scope of the study 11
- Limitation of the study 12
- Definition of the terms 13
CHAPTER TWO
- REVIEW OF RELATED LITERATURE 14
2.1 The relationship between first bank of Nigeria and its customers. 16
- The importance of Bank customers 18
- The banking environment of the First Bank of Nigeria PLC (1990 – 2004). 19
- The Bank Duties/Responsibilities. 22
- Customers Duties/Responsibilities to its customers 27
- Functions of the First Bank of Nigeria PLC. 29
- Factors Responsible for poor customer/bank relationship in the Bank. 39
- Factors responsible for good customer/bank relationship in the Bank 41
- The Nigeria Human Factor 44
Reference 45
CHAPTER THREE
- RESEARCH DESIGN AND METHODOLOGY 46
3.1 Sources of data: 46
- Primary data 49
- Secondary data 49
32 Area of the study 49
- Population of the study 50
- sample and sampling procedure 50
- Instrument of data collection 51
- Method of analysis of data 55
CHAPTER FOUR
- DATA PRESENTATION AND ANALYSIS 57
4.1 Data analysis 57
- Test of hypothesis 74
Reference 77
CHAPTER FIVE
- SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION 78
5.1 Findings 78
- Conclusion 81
- Recommendation 84
Reference 93
Bibliography 96
CHAPTER ONE
- INTRODUCTION
Any customer going to transact business at First bank of Nigeria PLC should go there for well furnished with time and patience you ever can say. The gate at Nigeria banks gives you the idea of what you expect inside.
First of all, you meet stem – looking security guards, kill and go abstain dogs and officious bank messengers who remind you that banks not the place to expect hospitality. In Nigeria, every bank customer is deemed to be an armed robber.
At the counter, you meet a cashier who fiddling with the rubber stamp in an attempt to change the date, is really not interested in your greeting. Say a good moving and his reply is “Wait first, I am coming”. The above quoted passage from a piece under the title of “ the methods of Nigeria banks” by Amby Njoku Snr, in the Sunday times of 25th May 1998, may sound to be an exaggeration of the true position. However, to my mind, the passage is a classic and indeed, most appropriate illustration of the percentage of the average Nigeria bank by the average member of the public. If my view about the said passage is correct, the question may well be asked, what are the factors responsible for such rather unflattering image of our banks?
In 1986, the then federal ministry of finance, Arichu Okongwu criticized the dilatory procedures of First bank of Nigeria PLC. By saying that he does not ”Personally see why a customer should spend more than fifteen minutes to withdraw money from his or her accounts” the then honourable minister merely expressing the hope of thousands of customers who have had unfortunate experiences, while trying to transact very simple banking business.
What of the issue of fraud, fraud had eaten deep into the main fabrics of our banking system, which First bank of Nigeria is not left out. It is now of great concern among banking households, corporate bodies and the government alike.
It has assumed a magnificent proportions that if nothing is done, the confidence of the First Bank PLC may be affected. There are suggestions from many bank customers on how frauds can be checked in the banks.
In essence, as Mr. S.E. Ekezie rightly put it, “Customers are frustrated by the slow rate of change in the banking industry, vis-à-vis” the time wastage, the development and introduction of new products and services, and the implementation of sales (both old and new) and delivering methods.
With all the sophisticated marketing technique, computer models and management theories available Nigeria bankers still, may be over looking the fundamental strategy that can ensure all times success focus on customer.
The banking industry has increasingly been criticized by its customers over poor quality if services it renders t her customers. at present, First banks are notorious for their slow pace in transacting business long queues with customers waiting up to two hours to cash their cheques or make withdrawals are the order of the say. Even to obtain a cheque book is characterized by come tomorrow, come next week syndrome. Customers are treated with levity by bank staff that believes it is right to deliberately delay customers as a result of their non – challent attitude to work. It is almost a daily occurrence to hear abuses flowing from bank staff to customers and vice vasa over the protracted delay in competing simple bank transactions.
Loan seekers, like civil servants and small scale business who apply for loans from their in order to augument their monthly salaries (like for payment of school fees of their children) and to execute expansion programme often face the uncooperative attitude of these bankers. Even if then loan seekers eventually succeed in obtaining the loan, he may have waited one year or more with high interest.
Despite the backdrop on low capacity utilization in some sectors of the economy baks are seem to be making roaring business with fat profit in their kitty to show for it at the end of the day. Such profits are in customers perception mind numbering, fat or obscene particularly in the light of prevailing economic difficulties. The accusation is that such profit is not reflected in the efficiency of services rendered by the bank.
It is against this introduction that this research wish to delve into the factors responsible for the poor services rendered by the bank to its customers.
1.1 STATEMENT OF THE PROBLEM
One of the major problems that has been working against the good bank customer relationship in the First bank of Nigeria PLC is that rather lax attitude of the bank staff. This is as reflected in the behaviour of bank cashiers to the customer of their employers. It is almost a daily occurrence to hear abuses flowing from bank staff to customers and vice versa over the protracted delay in completing simple bank transaction.
There is no doubt following the formulation of strict monetary policies that sent juters down the spine of industry operation, and significant increase in the number of banks in the last five years, the banking industry now abound with new products and services all packages to attract customers e.g. is the local money transfer and WESTERN MONEY Transfer in Nigeria is designed to minimize carrying a heavy cash and delay in breaking halls among the bank that have introduce it are FIRST BANK OF Nigeria PLC.
There is however a yawning gap between what these new schemes promise and their actual performances. These packages are not accomplished with attendant incentive like quick services conveniences, credibility and well research Banking information for customers. Another problem is the inadequacy of marketing skills among bankers putting emphasis on technical expertise of the bankers do not help at all.
The level of illiteracy of some customers cannot even fill form nor write some other necessary documents as required from the bank and this types of situation causing unnecessary delay to the bank
1.2 PURPOSE OF THE STUDY
The purpose of this research is to highlight the importance of good bank customers relationship.
It is aimed at X-raying the factors responsible for the unfortunate image of First Bank with a view that the analysis put forward in this work would create the necessary climate that would usher in a new era in banker customer relationship in the country.
The study will act as a guide to both existing and prospective bankers in understanding that the customer is the “wheel” through which the whole banking industry is propelled. The study will provide solutions to the poor and inadequate marketing skills among Nigeria bankers especially in this decay of banking booming. This is because any banker who does not realize that his survival will to large extent depend on how he can incorporate the best marketing approach namely, how accurately and competently he satisfy his customers needs is just stepping on quick sand.
Therefore the study is aimed at making those bank staff members that are in the position of meeting the customers to understand the need, for them to show more politeness, dedication and efficiency in the performance of their duties.
1.3 STATEMENT OF HYPOTHESIS
For the purpose of this study, the following hypothesis are to be tested.
Ho: The First Bank of Nigeria Plc Enugu has not established good banker customer relationship.
H1: The First Bank of Nigeria Plc has established good banker customer relationship.
Ho. First Bank of Nigeria Plc has not been providing adequate services to its customers.
H2: First Bank of Nigeria Plc has been providing adequate services to its customers.
Ho: Customers have not been under minding banks for quick and excellent services.
H3: Customer have been under minding banks for quick and excellent services.
Ho: First Bank of Nigeria Plc has not been following first come first serve procedure.
H4: First Bank of Nigeria Plc has been following first come first serve procedure.
Ho: First Bank of Nigeria plc has not recognize the customer as king.
H5: First Bank of Nigeria Plc recognize the customer as king
- SIGNIFICANCE OF THE STUDY
The significance of this study is the problem of poor human relationship in the First Bank of Nigeria Plc. The cause of this includes the fact that the bankers did not present themselves as business partners rather, it was master – servant relationship.
The long hour spent by customers waiting to deposit funds or cash cheques at least to this.
1.5 SCOPE OF THE STUDY
This research work is fully detailed on the good banker – customer relationship in the First Bank of Nigeria Plc Enugu. It enumerate the responsibilities that both the bank and its customers owned as a contracted parties. The research work also highlight the importance of Bank customers to the bank that the customer is the wheel through which the whole banking industry is propelled.
The effects of the various measures adopted by the monetary authorities between 1990 to 2004 on the Nigeria banks which first bank is not left out on the hand and their customers on the other hand has received much attention in this work.
The functions of the First Bank of Nigeria Plc Enugu are not left out in the piece of work, it highlights the numerous functions or services rendered to its customers by the Bank. Other problem areas are delays and poor services that characterize banking transaction in Enugu that is caused by the non - challant attitude of the Bank staff of the banks.
1.6 LIMITATION OF THE STUDY
The main limitation of this study was the lack of sufficient information from bank officials and the bank customer. The bank officials were un co-operated as they always claim to be too busy to attend to the researcher.
Another limitation was impatience and fear of giving out enough information that the researcher requires for this project.
The next major limitation worthy of mention is the absence of data specifically meant for the first bank of Nigeria in Enugu the case study of this work.
Lastly was the issue of time allocation for this work and my academic programme and of course finance which made it impossible for me to visit all the branches of the bank in Enugu and its environs.
1.7 definition of terms
Bank: Bank for the purpose of the research work refers to only First Bank of Nigeria Plc Enugu, the case study of this work.
Customer: This term used here is only include those that runs and maintain an account in the First Bank of Nigeria Plc Okpara Avenue Enugu.
Customer loan: Loan for custome/household items such as television, Radio, Furniture etc.
Download our android mobile app for more materials
ORDER NOW
COMPLETE MATERIAL COST N2,500 Or $10. FRESH PROJECT MATERIAL COST 50,000 NAIRA FOR UNDERGRADUATE, OTHERS 100,000 -200,000 NAIRA.
THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE
MAKE YOUR PAYMENT INTO ANY OF THE FOLLOWING BANKS:
GTBANK
Account Name : Host Link Global Services Ltd
ACCOUNT NUMBER: 0138924237
Account Name : Host Link Global Services Ltd
ACCOUNT NUMBER: 0138924237
First Bank:
Account Name: Chi E-Concept Int’l
Account Name: 3059320631
Account Name: Chi E-Concept Int’l
Account Name: 3059320631
Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
Account Number: 0117780667.
Swift Code: GTBINGLA
Dollar conversion rate for Naira is 175 per dollar.
ATM CARD: YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANK SECURITY FOR GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY.
OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.
form>DELIVERY PERIOD FOR BANK PAYMENT IS LESS THAN 24 HOURS
CALL OUR CUSTOMERS CARE OKEKE CHIDI C ON : 08074466939,08063386834.
AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO
08074466939 or 08063386834, YOUR PROJECT TITLE YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.
WE HAVE SECURITY IN OUR BUSINESS.
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