Answer:

Deposit Insurance is a system established by government to protect depositors against the loss of their Insured deposits placed with insured finanacial institutions in the event that a Member institution is unable to meet its obligations to depositors. Deposit insurance ensures that the depositor does not lose all his/her money in the event of a bank failure. It also engenders public confidence in, and promotes the stability of, the banking system by assuring savers of the safety of their funds. Deposit insurance makes bank failure an isolated event, hence it eliminates the danger that unfounded rumours will start a contagious bank run.

Answer:

Deposit-taking financial institutions differ from industrial and commercial enterprises in that they depend mainly on deposits mobilized from the public for their working capital and are highly leveraged. If a  financial institution is unable to meet its obligation to  depositors due to operational problems or business failure, anxious depositors may cause a run on the bank as well as other healthy institutions. The stability of the Financial system and social order in general would also be at risk. Moreover, most depositors have small deposit amounts and therefore cannot cost-effectively collect and analyse information on the financial institutions they do business with.

The government has therefore established a deposit insurance mechanism, under which the NDIC is empowered to provide protection for small depositors and contribute to financial and social order.

Answer:

Deposit-taking financial institutions play an
important role in regulating the supply and demand of capital and promoting economic development. They accept deposits, which are highly liquid form of debt, yet most of their assets are tied up in long-term illiquid forms. Deposit-taking financial institutions therefore have a hard time realizing their assets for cash, when their business into problems, so depositors may lose confidence, triggering a bank run. The limited liquidity of deposit-taking financial institutions also encourages a perception among depositors that making an early withdrawal is the only way to get their money back. This fear can exacerbate a bank run and also have a chain reaction that leads to runs on other banks as well.

Hence, DIS is usually established to prevent this by providing assurance of deposit repayment to the great majority of depositors. In doing so, the system also prevents systemic risk and ensures the stability of the financial system.

Answer: The NDIC is the agency empowered to administer the DIS in Nigeria, thereby protecting depositors of deposit-taking financial institutions. The NDIC provides incentives for sound risk management in the Nigerian banking system as well as contributes to the stability of the financial system. The NDIC manages five Insurance Funds: the Deposit Insurance Fund (DIF) for DMBs; the Special Insured Institutions Fund (SIIF) for MFBs; PMBs ; the Non-Interest Deposit Insurance Fund (NIDIF) for the Non- Interest Banks, the Non-Interest Special Insured Institutions Fund (NISIF) and Payment Service Banks Insurance Fund (PSBIF).

Answer: No. Deposit insurance is different from
conventional insurance in several respects. Some of the differences include the following:

• Deposit insurance is a regulatory tool aimed at
ensuring the safety, soundness and stability of a
nation’s financial system, thereby protecting the
macro-economy at large. It is one of the components of a financial safety-net, with other components being effective regulation/supervision and lender-of-lastresort role of the central bank. On the other hand,
conventional insurance policy is designed only to
protect the micro-interest of the policyholder.

• Deposit insurance is usually a tripartite arrangement involving the deposit insurer, the participating institutions and the depositors, whereas conventional insurance is a bilateral agreement between the insurance company and the insured (policy holder).

• Under deposit insurance, the participating institution pays the premium while the direct beneficiary of the protection offered is the depositor who does not pay any premium. In the case of conventional insurance, the beneficiary, who is the insured, pays the premium.

• Best practice dictates that participation in deposit
insurance should be compulsory, participation in
conventional insurance contract is generally voluntary.

• Under deposit insurance, best practice prescribes that the amount of coverage should be limited, whereas in the case of conventional insurance, coverage may be full.

Answer: Insured institutions are all deposit-taking financial institutions licensed by the Central Bank of Nigeria (CBN) such as:-
a) Deposit Money Banks (DMBs);
b) Microfinance Banks (MFBs);
c) Primary Mortgage Banks (PMBs); and
d) Non-Interest Banks (NIBs).

e) Payment Service Banks (PSBs)

Membership is compulsory as provided under the NDIC Act No 33 of 2023.

Answer:

It is an arrangement where the deposit insurer
extends deposit insurance coverage to Pool accounts or
Trust accounts domiciled in deposit-taking financial institutions and operated by Mobile Money operators
(MMOs), Pool accounts and Trust accounts have many
contributors to the funds. Rather than insure the pool
account up to the maximum as provided by law, the
balances of each contributor in that pool account is
insured. The NDIC will provide deposit insurance coverage to subscribers of MMOs using the pass-through depositinsurance concept.

Answer:

The conditions for eligibility as contained in the framework are as follows:

i. The relationship between the MMOs and their subscribers shall be based on Bare Trust arrangement.
ii. MMOs must take Fidelity Bond Insurance.
iii. The records of the Trust (pool) account must clearly indicate that the funds belong to individual subscribers and not the agent or custodian.
iv. The identities of the subscribers must fulfil all KYC requirements specified by the CBN.
v. The interests of the subscribers must be disclosed properly in records maintained by the insured institutions, MMOs and Agents.

Answer: The subscribers of MMOs will be insured up to the maximum coverage level of ₦5,000,000 (Five Million Naira) per subscriber per DMB or the applicable coverage level for depositors in line with the NDIC Act.

Answer:

No. MMOs are not covered under the passthrough-deposit insurance but their corporate account in the bank is covered up to the maximum interest amount.

Answer: All grievances or queries concerning the Pass-
Through Deposit Insurance coverage could be channeled
through the NDIC HELP DESK toll free line on 0800 – 6342 –
4 3 5 7 ( 0 8 0 0 – N D I C – H E L P ) o r s e n d e m a i l t o helpdesk@ndic.gov.ng and info@ndic.gov.ng.

Answer:

An agent is an individual or organisation authorised by a MMO to transact business on its behalf in certain locations, while a custodian is a MMO with the responsibility for safeguarding, holding and managing subscribers’ funds on their behalf. It is usually a bank licensed by the CBN. The MMO exercises legal authority over the funds.

Answer: An account opened and operated by a MMO in an insured institution on behalf of its subscribers.

Answer: This is a situation where each beneficiary of an account holds a separate share and is entitled to protection within the parameters of the scheme.

The MMOs shall maintain an account in an insured institution on a trust basis that clearly indicates the interest of all beneficiaries in the Trust (pool) accounts.

Answer: To identify insured financial institutions, look out for an NDIC decal (sticker) displayed in the Head Offices and Branches of all insured institutions or call our HELP DESK LINE – 0800-6342-4357 (0800 – NDIC – HELP); and 234-9-4601030 or visit our website: www.ndic.gov.ng

Answer: The financial institutions not covered by the NDIC include:

a. Development finance institutions such as Bank of
Industry, Federal Mortgage Bank, Bank of Agriculture and
Infrastructure Bank
b. Discount Houses
c. Finance Companies
d. Investment Firms
e. Unit Trusts/Mutual Funds
f. Insurance Companies
g. Pension Fund Administrators (PFAs)
h. Stockbroking firms

I. Development Bank of Nigeria

Answer: Not all deposits in insured institutions are covered by the NDIC. The following table lists deposits that are insured and those that are not insured:

Deposit Insurance covers the balance of each eligible
account, naira-for-naira, up to the insurance limit, including
principal and any accrued interest up to the date of the
insured institution’s closure.

Answer: The NDIC insures bank deposits of natural persons as well as legal entities, whether they are from Nigeria or from any other country but resident in Nigeria.

Answer: Insured Financial institutions are required to pay annual premium to the deposit insurance system
administered by the NDIC. The premium is assessed based on participating institutions’ total assessable deposit liabilities as at 31st December of the preceding year.

The assessable deposit liabilities are total deposits with the exception of some deposits listed in section 17(6) (a)) of the NDIC Act 2023. The NDIC Act 2023, has given the NDIC the power to adopt any premium assessment system to reflect developments in the industry in particular and the economy in general. NDIC currently adopts DPAS which allows the premium assessment based on the risk exposure of the individual bank.

Answer: The NDIC protects the Insurance Fund by keeping it with the CBN and investing the Fund in safe but liquid financial instruments such as Treasury Bills, Federal Government Bonds and instruments of similar nature. 

Answer:  

No. NDIC finances all its overhead and administrative expenses from its investment income. The main source of income for the NDIC is the proceeds from investment of the insurance fund in securities issued by the Federal Government. The insurance fund is used only for paying insured deposits when an insured institution fails as well as for granting financial assistance to deserving participating institutions. The NDIC does not enjoy subvention from the government.

Answer: Yes, a depositor, if he/she wishes, can open an account with the transferee institution for the full amount or part of his/her deposit.

Answer: The primary mandate of the NDIC is to protect depositors. However, through supervision to ensure safety and soundness of banking institutions, the interest of creditors and shareholders are also protected. In the event of bank failure, creditors and shareholders could be paid liquidation dividends after depositors had been fully reimbursed.

Answer:

Sustainable banking is a value system, which
ensures that a bank’s commercial activities do not only benefit its staff and shareholders, but also its customers
and the wider economy, while at the same time prevent or
at least minimize any undue effects on society and natural environment. Sustainable banking requires banks to be proactive and take steps to improve society and the
environment. Sustainable banking is about preserving the
environment and biodiversity for future generations and
about being cautious with natural resources and climate.
Sustainability is about guaranteeing human rights and a
life in dignity, free from want and poverty for all people
living today. Sustainable banking has many labels:
corporate social responsibility, corporate responsibility,
corporate citizenship, environmental and social governance.

In Nigeria, the Bankers’ committee, which the CBN, NDIC
and all the banks in the country are members, pledged to
embrace the concept of sustainable banking and went
ahead to develop a set of principles called Nigeria
Sustainable Banking Principles (NSBP). Part of the pledge also was that every member of the Bankers’ Committee including regulators (CBN and NDIC) should adopt and implement the principles.

Answer:

The NDIC plays two roles in terms of the implementation of sustainable banking. First as a member of Bankers’ Committee, it is duty bound to implement the agreements of the committee. Secondly, as a supervisor in the banking industry, the NDIC has the duty of ensuring that operators in the system comply with the pledge to adopt the principles in their institutions. As part of its efforts at achieving the implementation and integration process, the NDIC came up with the following initiatives:

i. Set-up sustainability desk in the Managing Director’s office.

ii. Set-up a committee on sustainability to facilitate the implementation of NSBP in the NDIC.

iii. In its effort to integrate environmental and social considerations the NDIC commenced the implementation of energy efficiency initiatives in all its locations nationwide.

iv. The NDIC has invested hugely in ICT to drive most of its work processes e.g. Human Manager, Dispatch Management System, Document Management System, E-learning etc.

v. To further integrate Sustainable Banking and ensure compliance with the principles, an Inter Departmental Committee was constituted to drive the implementation of a paperless environment in the NDIC. Paperless environment not only increases productivity, eliminates storage space, reduces cost and expenses (printing costs, photocopier costs) but also leads to improved ability to work remotely, increased security, improved disaster recovery, reduction in environmental impact.

vi. The NDIC continued to comply with the principles through promotion of Financial Inclusion and Financial Literacy, Collaboration with other stakeholders to promote and expand the Sustainable Banking space, implementation of sustainability principles in its On-site examination processes, training and capacity building for staff on environmental and social risks etc.

Answer: 

FinTech represents the intersection of financial services and technology. It is technology-enabled innovation in financial services. FinTech can refer to technology companies, start-ups or traditional financial services providers. The use of smartphones for mobile banking and investing services are examples of technologies deployed to make financial services more accessible to the general public.

Answer: 

Open banking refers to an emerging idea in the financial services and fintech which stipulates that banks should allow third party companies to build applications and services using the bank’s data. Its benefits include new revenue streams, improved customer experience and can enable financial inclusion.

Answer: A cryptocurrency is a medium of exchange like
normal currencies such as Naira and USD, but designed for the purpose of exchanging digital information through a process made possible by certain principles of cryptography.

Unlike centralized banking, like the Federal
Reserve System and the Central Bank of Nigeria, where
governments control the value of a currency through the
process of printing fiat money, in crypto currencies
government has no control over their operations as they
are fully decentralized. The first crypto currency is the
Bitcoin created in 2009.

Answer: No. The Central Bank of Nigeria (CBN) does not recognise Bitcoin or any other form of cryptocurrencies as legal tender in the country.

Answer:

Blockchain is a form of Distributed Ledger Technology (DLT). This means that, it maintains records of all cryptocurrency transactions on a distributed network of computers, but has no central ledger. It is the technology that has made the first digital currency, the Bitcoin possible.

Answer: A Single Customer View is an aggregated, consistent and holistic representation of the data known by an organisation about its customer.

In terms of deposit insurance, it is the collation of all the information on a depositor (all his bank information in every bank across the country) and considered as a single identity. In Nigeria, the Bank verification Number (BVN) system has now created a database where all bank customers are captured and their accounts are linked. The initiative will aid the speed of making pay-out of insured sums to depositors after an insured institution is liquidated.

Answer: 

No. There is no duplication of supervisory functions between the two agencies, rather what exists collaboration. For instance there is a framework whereby the NDIC collaborates effectively with the Central Bank of Nigeria through joint committees on supervision at both executive and technical levels and the two are represented at each level. Secondly, in order to avoid duplication of supervisory functions, the two institutions share banks for examination purposes on an annual basis and when such examinations are concluded, the examination reports are exchanged.

The supervisory efforts of the two institutions are sometimes conducted jointly when the need arises.
Indeed, the involvement of the NDIC in bank supervision
has reduced the examination cycle from about once in two
years to once a year.

The NDIC supervise banks basically, to protect depositors.
Banking supervision is one of the core functions of the
NDIC as it seeks to reduce the potential risk of failure and
ensures that unsafe and unsound banking practices do
not go unchecked. It also provides the oversight required
to preserve the integrity of, and promote public confidence in the banking system. The NDIC carries out its supervisory responsibilities through on-site examination and off-site surveillance of insured institutions.

Answer: 

The NDIC protects bank depositors against loss through:

a) Deposit Guarantee
This is the most significant and distinct role of the NDIC. As a deposit insurer, the NDIC guarantees payment of deposits up to the maximum insured sum of N5,000,000 to a depositor in DMBs and PMBs and N2,000,000 to a depositor in MFBs in the event of failure of a participating financial institution. Balances in all deposit accounts held in the same right and capacity by a depositor in all branches of the closed insured institution, net of outstanding debts, are aggregated to determine the maximum insured amount.

b) Bank Supervision
The NDIC supervises banks to protect depositors, ensure monetary stability and effective/efficient payment system as well as to promote competition and innovation in the banking system. Banking supervision seeks to reduce the potential risk of failure and ensures that unsafe and unsound banking practices do not go unchecked. It also provides the oversight functions required to preserve the integrity of and promote public confidence in the banking system.

c) Failure Resolution
The NDIC is empowered to provide financial and technical assistance to failing or distressed banks in the interest of depositors. The financial assistance can take the form of loans, guarantee for loan taken by the bank or acceptance of accommodation bills. On the other hand, the technical assistance may take the following forms: take-over of management and control of the bank; change in management; and/or assisted merger with another viable institution.

Answer:

The NDIC relies on deposit account records kept by a failed bank as well as on the proofs presented by depositors.

Answer: No. A depositor does not need to. Under the deposit insurance system, eligible deposit accounts in insured institutions are automatically insured at no charge to any depositors.

Answer: 

Insured deposit is payable only when an insured institution has been closed as a result of action taken by the Central Bank of Nigeria or when there is suspension of payment by a bank.

Answer:

The NDIC could pay depositors of a failed insured
institution either by transfer to a financial institution with
instructions to effect payments to depositors on its behalf,
or directly by means of issuing cheques up to the insured
limit which will be collected at the NDIC’s designated
centres, usually the closed bank’s offices or by directly
crediting the depositor’s account using e-payment
platform. Payments could also be made through Purchase and Assumption, whereby a healthy bank assumes part or all of the deposit liabilities of a failed insured bank.

Answer: The NDIC transfers an amount equivalent to the total insured deposits of a failed insured institution to another financial institution under an agreement which will enable depositors of the failed insured institution to collect their entitlements from the financial institution.

Answer: Insured sums are collected by depositors on filing their claims through the completion of relevant forms provided by the NDIC. In addition, they have to furnish the NDIC with account documents such as unused cheque books, old cheque stubs, passbooks, fixed deposit certificates, etc. Each depositor would also be required to identify him/herself with a valid identification document such as National Identity Card, Driver’s Licence or International Passport. After verification of ownership of the account as well as the account balance, the depositor would be duly paid the insured sum by cheque or deposit transfer through an Agent Bank or Acquiring Bank.

Answer: The depositor would be required to present a Police report along with a sworn affidavit duly certified by a Court. The depositor would also be required to identify himself/herself with a valid identification document like National Identity Card, National Voters Card, Driver’s Licence or International Passport.

Answer: Yes. A depositor, if he/she wishes, can open an account with the transferee institution for the full amount or part of his/her deposits.

Answer: The primary mandate of the NDIC is to protect depositors. However, through supervision to ensure safety and soundness of banking institutions, the interest of creditors and shareholders are also protected. In the event of bank failure, creditors and shareholders could be paid liquidation dividends after depositors had been fully reimbursed.

Answer: This is a payment made to a depositor of a failed insured institution in excess of the insured sum. While the insured sums are paid from the DIF, SIIF or NIDIF as the case may be liquidation dividends are paid from funds realized from the sale of the assets and recoveries of debts owed to the failed insured institution.

Answer: 

The insured limit is currently a maximum of ₦5,000,000 for each depositor in respect of deposits held in each insured Deposit Money Bank (including Non-Interest Banks) and Primary Mortgage Bank and ₦2,000,000 for depositor in MFB in the same right and capacity. The amount to be reimbursed has to be defined. Limited coverage is to minimize moral hazard through excessive risk-taking by bank management and depositors. Unlimited coverage could constitute a perverse incentive for excessive risk-taking.

Answer: 

No. The main office and all branches are considered to be one institution. Therefore, the accounts would be added together and covered up to the maximum insured sum.

Answer: 

No. The maximum insurance limit is applicable to deposits in each of the participating banks. In the case of a bank having one or more branches, the main office and all branch offices are considered as one bank. In summary, if a person has many accounts in one bank, all the deposits are taken together as one account even if the deposits are in various branches of the same bank. On the contrary, if a depositor has accounts in more than one bank, they are insured independently up to the maximum insured sum per bank.

Answer: 

No. Deposit insurance is not increased merely by dividing funds held in the same right and capacity among the different types of deposits available. For example, demand, time and savings accounts held by the same depositor in the same right and capacity are added together and insured up to the maximum insured sum.

Answer: 

The NDIC Act of 2023 provides that subject to
stated conditions, part of the NDIC’ssurplus can be applied
to reduce premium payable by insured institutions.
Furthermore, the NDIC would consider adopting
differential premium assessment for the MFBs and PMBs
such that premium payable by such Institutions would be
based on their risk profile.

Answer: 

No. Special funds such as Donor funds or other funds that are for onward disbursement to beneficiaries are excluded from assessable deposits. The onus is on the insured institutions to ensure proper classification of such funds in their books.

.

Answer: Yes. If each of the co-owners has personally signed a valid mandate card and has a right of withdrawal on the same basis as the other co-owners, the joint account and each of the individually-owned accounts are separately insured up to the insured maximum sum.

Answer: As long as the combination of the joint accounts is not the same, the account will be insured separately up to the maximum insured limit. Where the joint accounts are owned by the same combination of individuals then the accounts will be added and the total insured up to the maximum insured sum.

Answer: Yes. But notice is always given to depositors before termination of insurance. Depositors should take precaution to verify that the MFB or PMB they are dealing with is insured and pay deposit insurance premium annually.

Answer:

Yes. If the records of the bank indicate that the
person is depositing the funds in a fiduciary capacity such
funds are insured separately from the fiduciary’s individually-owned account. Funds in an account held by
an Executor or Administrator are insured as funds of the
deceased’s estate. Funds in accounts held by guardians,
conservators or custodians (whether court-appointed or
not) are insured as funds owned by the ward and are
added to any individual accounts of the ward in determining the maximum coverage. Account in which the funds are intended to pass on the death of the owner to a named beneficiary, are considered testamentary
accounts and are insured as a form of individual account. If the beneficiary is a spouse, child or grand-child of the
owner, the funds are insured for each owner up to a total of the maximum insured sum separately from any other
individual accounts of the owner. In the case of a
Revocable Trust Account, the person who holds the power of revocation is considered the owner of the funds in the account.

Answer: The account is insured as an account of the principal or true owner. The funds in the account are added to any other accounts owned by the owner and the total is insured up to the maximum sum.

Answer: Yes. If the Company or Partnership is engaged in an independent activity, its account is separately insured up to the maximum insured sum. The term Independent activity means any activity other than one directed solely at increasing insurance coverage.

Answer: Yes. In a situation where the amount of depositors’ fund in a closed bank exceeds the maximum insured amount, the owners of such accounts will share, on a pro-rata basis, in any proceeds from the liquidation of the bank’s assets with other general creditors, including the NDIC.

Answer: 

Yes. When acting as Liquidator of a closed institution, the NDIC is acting on behalf of all creditors of that institution and its obligation is to collect all loans promptly and efficiently along with other assets of the institution.

Answer: Purchase and Assumption (P&A) is a failure resolution mechanism which involves purchasing the assets of a failed bank and assuming its liabilities by another healthy insured bank(s).

Answer: Open Bank Assistance (OBA) is a situation where a failing insured institution is assisted to continue to operate in the same name on a going concern basis. It may involve change in ownership and management of the bank; injection of fresh funds in the form of equity and/or loan capital; and re-organisation and overhauling of the bank including rationalization of staff and branches.

Answer: Yes. To process such claims, a Letter of Administration and a Probate from a Court of Law would be required to be presented to NDIC in addition to all other documents which are to serve as proof of ownership of such account.

Answer: A bridge bank is a temporary bank established and operated usually by a deposit insurer to acquire the assets and assume the liabilities of a failed bank until a final resolution is accomplished. The bridge bank would permit continuity of banking services to all customers and fully protect all the depositors and creditors of the failed bank pending final resolution. A bridge bank is usually set up for a specified period of time within which the Deposit Insurer would find an interested investor.

Answer:

The client of the defunct bank should contact the
acquiring bank. In case of unresolved claims, contact NDICthrough any of the channels provided in the answer toQuestion 64.

Answer: Announcements would be made through the media (television, radio, newspapers) and NDIC posters at the Head Office’s and branches of the closed banks as to when the payment of deposits would commence.

Answer: The depositor should contact NDIC through any of the channels provided in the answer to Question 64.

Answer: The NDIC supports financial inclusion through guaranteeing deposits, especially small savers. Deposit insurance is vital to financial inclusion because the poor need assurance that the services of the depository institutions are safe and available at all times they desire.

The NDIC as a Deposit Insurer enhances financial inclusion by providing consumer protection and ensuring that bank’s affairs are conducted in a safe and sound manner and prosecuting erring Directors and Management of banks.

Answer: The NDIC undertakes supervision of insured institutions with the objective of protecting consumers. It established consumer protection desks in order to promptly respond to series of complaints it receives against banks and other financial institutions on a daily basis. This is achieved sometimes through the conduct of investigations by the NDIC Examiners.

Answer: The NDIC publishes and distributes books on deposit insurance and banking to enlighten the public. Recently, a book on basic knowledge on banking and deposit insurance was distributed to all secondary schools nation-wide with the aim of catching them young. The NDIC also undertook a study on financial literacy, the report of which was published in book form in order to facilitate readership within the banking public and to assist stakeholders address the challenges of financial literacy.

Answer: 

NDIC has set up the following contact channels
to provide customer service to the public:

a. To obtain quick answers to your questions, call our Help Desk Line: 0800-6342-4357; and 09 –460 – 1030.

b. You can also send comments to NDIC by mail to: The
Managing Director/Chief Executive Officer, Nigeria Deposit Insurance Corporation, Plot 447/448 Constitution Avenue, Central Business District, Airport Road, P.M.B. 284, Garki, Abuja.

c. Information on NDIC and the deposit insurance system
can be accessed from our website at: www.ndic.gov.ng.

ZONAL OFFICES

• LAGOS
NECOM House 15 Marina Street
PMB 12881, Lagos – Nigeria Tel: 01- 2719010, 2719011

• BAUCHI
No 3 Ahmed Abdulkadir Road, P.M.B 0207
Tel: 09020441970, 09020441975

• BENIN
8 A&B Benoni Hospital Road, Off Airport Rd, G.R.A, P.M.B1034, Benin City
Tel: 08150999600, 08150999577,
08150999588, 08150999599

• ENUGU
10 Our Lord’s Street Independence Layout, P.M.B 1210
Tel: 042– 457292; 455325; 456101;
Fax: 042–456770

• ILORIN
No. 12A, Sulu Gambari Road Ilorin
Tel: 031 – 810789; 07098705709

• KANO
Plot 458, Muhammad Muhammad Street Hotoro,
G.R.A. Kano
Tel: 08116651412, 08097756130,
08063932722, 08126657022

• PORT HARCOURT
No. 104 Woji Road
Off Olu Obasanjo Road
G.R.A. Port Harcourt Tel: 084 – 846831; 846843

• SOKOTO
2, Gusau Road,
P.M.B. 2305, Sokoto
Tel: 08035075514; 08055431628;
08033036055; 08035870529

• YOLA
No. 6 Numan Road
P.M.B. 2227, Jimeta-Yola Adamawa State
Tel: 08089814004; 08089814005;
08089814006; 08089814007