A summary of the testimony of the Pw1 is that sometime in 2010, a friend of her’s introduced the Accused person to her. The Accused told her that he got a contract and needed money to execute it. That she should contribute the sum of N1, 291, 817.00 which she did. In July 2010, the Accused came to her again and said he needed the sum of N2, 250, 000.00 which she also gave to him for the same contract. The Accused then gave her two cheques in the sum of N3, 642, 426.00. Before he issued the cheques to her, he wrote two agreements which he signed. The agreements reflected the fact of his collecting the above monies from her. The Agreements dated 5th May 2010 and 21st June, 2010 were tendered and admitted as Exhibits A and B respectively. After executing the contract however and he was paid, the Accused refused to give her her money despite her several telephone calls on him. The Accused issued the cheques dated 5th May, 2010 in the sum of N1, 291, 437.00 and the second one in the sum of N2, 350, 949.00. When she presented the cheques at Oceanic Bank in repayment of the monies she gave to the Accused, the bank dishonoured them. When she asked the bank, why the cheques were dishonoured, she was told there was no money in the Accused person’s Account. While the dishonoured cheque dated 5th July, 2010 was admitted as Exhibit C, that dated 21st June, 2010 was admitted as Exhibit D. After the cheques were dishonoured, she called the Accused on phone and informed him but he did not say anything. Her several other efforts to reach him on phone came to grief as his phone was switched off. She then decided to report the matter to the Police. When the Accused was brought to the Police Station, he wrote an undertaking to the effect that he was going to pay her the monies which he did not honour. He rather sued her to Court but the case was later dismissed. Till date he has not paid the money to her. Under cross examination, the witness testified inter alia that she did not enter into any joint venture agreement with the Accused, rather he said he needed money to finance a business and that she should contribute which she did. That she is not a Money Lender. He promised to give her 20% of the amount contributed from the profit of the contract. She knew the Accused through Ifeoma Abba. Apart from the contribution, he has been giving money to the Accused which he paid back after the business. She was only helping him by giving him money but not for profit making. Exhibit B is not a loan agreement. She reiterated that the Accused collected the sum of N2, 459, 124 from her on 21st May, 2010, and that after signing the agreement on 21st May, 2010 the Accused gave her a cheque for N2, 350, 948.00 payable on 21st June, 2010, 4