it was not necessary to apply for a bank loan which will be time consuming and cumbersome. He assured PW6 that he would go into the land and start work with the money he had at hand consequent upon which PW6 gave him a copy of the certificate of occupancy. He said he got to the land negotiated and settled the Gwari people in the land with N20 Million and briefed the PW6 orally as they are working based on brotherhood but that he photographed the process of paying the Gwari people. He said when he told PW6 about the expenses he told him to go ahead that at the end of the project it will be valued and the cost of development on the land will be deducted from the total sale. DW1 stated further that he informed PW6 that he wanted the plot of the land and that he got a consultant who did the drawing and concept of the building and also got development control approval for a fee of FEDERAL REPUBLIC OF NIGERIA AND KAYODE GABRIEL ADENIJI & 2ORS 20