Houston EB5 Project

3INVEST Limited, Lagos-based real estate firm that helps organisations and individuals live well, work right and invest wisely has unveiled another investment opportunity for property investors as part of its partnership with Houston EB5, which involves raising capital for development projects.

Under the new scheme, Houston EB5 is offering potential investors, the opportunity of investing in Real Estate development in Eighteen25 Luxury Condominium in Houston, Texas. In addition to the prospect of a good return on investment, investing in this project will qualify investors for permanent residency in the United States through the EB-5 programme.

Eighteen25 condominium project consists of approximately 240 units in an eight-story building and a total of 62,500 SF or 1.4348 acres. The plan comprises three floors of parking with five floors of residential units. The project site is an entire block in Downtown Houston.

The project is being developed in partnership with Allied Realty, a Houston-based multifamily developer founded in 1985. The EB5 program, administered by the United States Citizenship and Immigration Service (UCIS), provides foreign nationals with the opportunity to receive permanent residency in the United States (a “green card”) in return for making a qualified investment in a job creating U.S enterprise. “We have achieved an important milestone: the first I-829 approvals for Astoria and I-526 Marlowe, two of our luxury residential projects in Houston.”

I-829 approvals signify that Houston EB5 has created the promised number of jobs per investor for the project, and several investors are approved for permanent U.S. residency.

Astoria is a signature high-rise development in the Galleria area that sold out a year before it was completed. EB-5 investors committed $1 million each to the project, one of the few of its kind in the U.S.; investors are starting to receive I-829 approvals.

Marlowe is a luxury high-rise in the heart of downtown Houston, essential to providing residential capacity in line with rapid business development in the area. Investors are now receiving I-526 Approvals.

Houston EB5 stands out not only for the success of our projects and investors but as one of the few EB-5 Regional Centers that is also a real estate developer. We offer unique expertise, more than 140 investors, and a 100per cent success rate on I-526 and I-829 approvals.

The EB5 investment programme is administered by the U.S. Citizenship and Immigration Services under the Department of Homeland Security. It allows investors who make a qualified investment to fast track permanent legal residency in the United States for themselves and their immediate family without the usual roadblocks or red tape associated with the immigration process.

Houston EB5 has stayed committed to bringing developments of impeccable design and elegance to Houston and to sustaining the strong economic environment from which the city has grown.

Over the years, we have come to recognised that real estate investments remain much safer in nature than typical business investments, compounded with Houston’s strong economy, investors in Houston EB5’s developments can expect a more reliable and timely return on their investment. Houston EB5 believes Nigeria can become a crucial part in helping to expand the city’s skyline by investing in Houston EB5’s developments.
For more information call 3INVEST on +234 0809001100, +234 08099991803, +234 809991503 or you can send an email to



Omais Investment Nigeria Limited is already adjusting its plans and designs to accommodate the economic challenges that have affected personal incomes with initiatives that would make the home buying more affordable in the country, this they plan to achieve by proposing two residential projects in Gbagada and Osapa London, Lekki as rent to own homes.

The Chairman and Chief Executive Officer of the company, Chief Omochiere Aisagbonhi said that the firm adopted this strategy to attract the right persons to take possession of the buildings instead of allowing it to lie idle. To guarantee the success, he said the company has introduced a mechanism where individuals would be pre-qualified to come in and buy them by paying 40 per cent and spreading the rest between six to 38 months depending on each subscriber’s peculiar situation.

He also said that the firm is offering people the opportunity to take possession and stay in these places by paying rents at 30 per cent of the cost and to spread the balance between six months and 38 months, interest-free.

The opportunity, he said, are available for two units of four bedrooms at Gbagada and eight units at Osapa London, Lekki at the asking price of N55 million and N60 million respectively. The buildings are kitchen fitted and air-conditioned.

In the past three years, the market has been down with no activities as Nigerians are enduring to live. According to him, “The true situation is that developers suffer it most because capital projects are not the things people want to make their priority now.

“Generally, there are a lot of acute shortages and there are also people who are still looking for accommodation, but are faced with the challenge of gathering the money and making one instant payment. This is the reason that we are offering them the opportunity to come up and take possession of these properties and stay in these places, instead of paying rents,” he said.

Also speaking about the quality of projects, Chief Aisagbonhi said: “When we came into the market in 2003, it was with a promise that we will not cut corners because when you cut corners and build substandard structures, you are planning the funerals of others. The residential and commercial buildings we have done in our years of doing business in this country testify to our integrity. We had never had a report of our buildings collapsing; we never had any of our projects run into that kind of situations”

Culled from: The Guardian



The governor of Bayelsa state, Mr Seriake Dickson has inaugurated a 10 member Land Use and allocation committee due to disturbing activities of land racketeers and indiscriminate construction of buildings in Yenagoa and its environs. This action was with a declaration that “henceforth, the government will be responsible for the provision and sale of land to members of the public for private, commercial and industrial purpose”. Chairing this committee is Mr Joseph Akedesuo, with Mr Moses Teibowei as Secretary while the state Surveyor-General,  Moses Gede and the Managing Director of BGIS, Igo Goin are to serve as members.

Other members are Deputy Chief of Staff, Government House, Yenagoa, Mrs Ebizi Ndiomu-Brown, Osom Makbere, Chief Amos Poubenafa, Mr. Dan  Dede, Mr. Emmanuel Ebua and Suoyomiete Ezekiel. The Governor said that the move was to check the incidence of land racketeering and unplanned development of the state, especially within the Yenagoa metropolis.

He described the committee as a special standing body, put in place to advise the government on the use and management of public land, in line with the Land Use Act of the Federation.

He also directed the committee to commence the immediate allocation and sale of plots of land in the first phase of the Government Reserved Area (GRA), as the government had already completed the survey and planning of the area while also calling on Bayelsans and members of the public to avail themselves of the opportunity the government was offering them through the provision of planned estates and issuance of certificate of occupancy and other title documents. He further noted that plans were underway to acquire land at Agbura and other parts in his bid to open up the state.

In the words of the governor, he said that “He expects the committee to start right away, the allocation of plots for the first planned GRA development in the state, without further delay”.  “We have already finished survey and planning and we have called on interested Bayelsans to buy the forms”, he said.

In his response, Akedesuo (Chairman of the Committee) expressed appreciation to Governor Dickson for the confidence reposed in them and assured that the committee would translate the governor’s vision of developing a well-planned city to reality.

Culled from: Nigeria Today


Addressing attendants of an investment meeting with city and bilateral Chambers of Commerce in Lagos, last week, the Lagos State Commissioner for Commerce, Industry and Cooperatives, Prince Rotimi Ogunleye, urged investors in Nigeria, and all over the world to invest in the Lekki Free Zone, adding that government has also provided incentives that will encourage the ease of doing business.

Some of the incentives listed by Mr Ogunleye includes;

  • complete tax holiday from all federal, state and local government taxes, rates, customs duties and levies;
  • one stop approval for all permits, operating in licenses and incorporation papers;
  • duty-free,
  • tax-free import of raw materials and components for goods destined for re-export.

Other incentives were; permission to sell 100% of manufactured, assembled or imported goods into the domestic Nigerian market; 100% foreign ownership of investments; 100%repatriation of capital, profits and dividends; waiver on all import and export and export licenses; waiver on all expatriate quotas for companies operating in the zones.”

“I, therefore, urge the leadership of all chambers here present to communicate the message to all your members, local and international, that the Lekki Free Zone is an ideal investment destination for all investors all over the world.”  This he said reiterating that the Lekki Free Zone is open to all nationals and countries in the world.

He added that Dangote Group is developing the South-East Quadrant of the Zone, which is about 2635 hectares of land for the establishment of 650,000bpd capacity refinery complex, petrochemical, gas and fertiliser plant with a projected cost of over $12billion.

Iyalode Alaba Lawson, who is the National President, Nigerian Association of Chambers of Commerce, Industry, Mines and Agriculture (NACCIMA) , noted that “with Nigeria’s growth dropping to an average of five to six per cent in recent years, and population in Lagos increasing, development projects that can boost growth are much needed in the state. As a result, the Lekki Free Zone is important for the sustenance of over 20 million people in Lagos and its environs”.

The president, who was ably represented by the National Vice President, Jani Ibrahim, further said: “we are very optimistic about the capacity of the Lekki Free Zone in boosting our country’s economy through the opening of trade routes that will bring about an unprecedented surge in logistics and businesses.”

Culled from the guardian



In the face of the scarceness of funds in the real estate sector, Lagos-based property development firm, Mixta Real Estate Plc has increased its liquidity with N5billion bond, which will be used to refinance existing debts and affordable housing projects.

The Guaranteed Fixed Rate Bond was listed on the Nigerian Stock Exchange (NSE) and issued under its N30 billion medium term note, programmed to refinance loans taken from FBN Merchant Bank and Access Bank. The fixed-rate bond with a par value of N100 at a rate of N1, 000 per unit has a five-year tenor and will be due in 2022. The company plans is to increase the amount to about N5billion or N10 billion

GuarantCo Limited, a multilateral development finance company, is the guarantor for the bond issue. This company was founded by the development agencies and governments of the United Kingdom, The Netherlands, Sweden and Switzerland, as well as the Private Infrastructure Development Group (PIDG).

Mixta commenced operations in February 2006 as a real estate investment fund management company promoted by Asset and Resource Management Company (ARM) Limited. In 2007, the fund was converted to a property company, ARM Properties Plc, as a result of operational and tax limitations encountered due to current legislation governing real estate investment funds in Nigeria.

In 2015, ARM, an Africa-focused large scale property development company headquartered in Spain with subsidiary operations in several countries across North and sub-Saharan Africa ARM acquired Mixta Africa and this combination of ARM Properties and Mixta Africa gave birth to Mixta Real Estate Plc.

According to the Managing Director, Mixta Real Estate Plc, Mr. Kola Ashiru-Balogun, “The combination of Mixta Africa and ARM Properties Plc has a land bank of approximately 2.5 million square metres with close to 10,000 housing units delivered across Africa. Mixta Africa has more than 50 experienced professionals and subsidiaries in six countries,”

He also said the company invests in property development projects across the real estate spectrum within the commercial, retail and residential property segments. “We also provide real estate advisory services, and take on special projects in medium to large-scale real estate development projects, with a goal of taking advantage of the developing organised retail real estate sector”. Ashiru-Balogun who spoke to media personnel in Lagos disclosed that the real estate company would be investing 20 per cent of the net proceeds from the bond in the construction of its Affordable Housing Project. For us, there are a lot of opportunities for us there. We’re able to deliver 5, 000 in Morocco in a year.

On the target market, he said, “most of the homes we have done in Nigeria have been within the upper N25 million. But with this combination we have now, we an incredible opportunity to come down the ladder to sub-N10 million homes and to do that, it means we have to go areas where land is not exorbitant and where there is a critical max of buyers”. Adding that the “Outskirt of Lagos is a key area for us and Abuja is another important area for us. We will also be looking at Port Harcourt. These are the few areas we are going to concentrate on in Nigeria for now.” Within PortHarcourt, the company has 250 hectares in Omagwa, where work has begun on the residential scheme and golf course. A land in the scheme goes for N22,000 per square metre.

“For example, in Senegal with a smaller population than Nigeria, we have done over 600 homes in the past few years. The entry price for homes in this country is about 30,000 Euros, an equivalent of N6.5 million or thereabout. We think that if we are able to achieve such pricing in Nigeria, we would be appealing to a wider population of prospective homeowners.”

Ashiru-Balogun said: “We need the government with an aspiration to deliver homes to low-income earners and to back that up with policy and also ensure that people can borrow long term at an affordable rate to acquire their homes.

Culled from: The Guardian


Wolfgang Goetsch; Managing Director of JBN Plc

JULIUS Berger Nigeria, JBN complained concerning the current recession hitting the country, and says it is responsible for delayed funds for priority projects in the nation. Engr. Wolfgang Goetsch, Managing Director of JBN Plc, at the 47th Annual General Meeting of the Group in Abuja, penultimate weekend, acknowledged that there are challenges at hand in Nigeria while expressing concerns over the time frame for implementation of projects.

He said, “Berger is well positioned to capitalise on the opportunities in the market. Strategic adjustments to our operational structures have not only been vital to assist cash flow requirements in such serious times but have made us leaner and lighter, optimising our flexibility and competitiveness considering current realities. “Today, our achievements are not defined by our size, but by our commitment to our core values of quality, reliability, innovation and integrity.

The company remains a strong and reliable partner for national flagship projects in all the geopolitical zones, including many priority projects for the federal government. “Such projects include the Lagos Dangote Jetty in Apapa, the Azura-Edo Independent Power Plant, Nigeria’s first Independent Power Plant, the General Electric’s project Emerald in Calabar, and NLNG’s Materials Offloading Facility jetty, which is the company’s current project on Bonny Island, where Julius Berger has been working as a reliable partner for over 35 years. “Other projects of national priority, seen to be critical to economic development and jobs creation, in which the company is involved include the Lagos-Shagamu Expressway, the permanent site for the National Institute for Legislative Studies, in Abuja, the Airport Expressway and central roads in Abuja, as well as the Second River Niger Bridge, where the company has recently wrapped up work on the Early Works 3 package and were consecutively awarded the Early Works 4 package.

“Another new contract award includes the rehabilitation of Odukpani-Itu-Ikot-Ekpene Road. The scope of this project comprises the dualization of a 9.7 km road section in Cross River, including the rehabilitation of an existing two-lane bridge and the new construction of a two-lane bridge and the dualization of a 12.2 km road section of Akwa Ibom.”

The MD also shared some of the recent success stories of the company, one of which was the award and timely completion of Emergency Rehabilitation of the Runway and Taxiways at the Nnamdi Azikiwe International Airport in Abuja, another highly critical project with major social and economic implications. The project was completed in an extremely challenging time frame, requiring Julius Berger to pool its resources, mobilising equipment, highly skilled specialist and technical teams from across its operational hubs in Nigeria.

According to Goetsch, “Such commitment and professionalism led to early completion, proving again that Julius Berger can make the impossible, possible and further reinforcing our leadership and positioning as a reliable contractor. Working in our favour is our strong brand positioning and reputation for unwavering reliability. We look to maintain this positioning, which sets us apart from competitors bolstering our competitiveness”, Goetsch stated.
Culled from: The Vanguard



According to analysis on ATTOM Data Solutions’ latest Q2 2017 U.S. Home Affordability Index, the U.S. median home price of $253,000 in the second quarter of 2017 was at the least affordable level since Q3 2008, a nearly nine-year low in affordability.

The national home affordability index was 100 in the second quarter of 2017, the lowest national affordability index since Q3 2008, when the index was 86 and meaning the share of average wages needed to buy a median-priced home nationwide was on par with its historic average.

This report also indicates that 210 of 464 U.S. counties analysed for the index (45 percent) were less affordable than their historic affordability norms in the second quarter of 2017 — the highest share of markets less affordable than their historic norms since Q4 2009.
Daren Blomquist, senior vice president at ATTOM Data Solutions said, “While home price appreciation in the second quarter accelerated to the fastest pace in more than three years, wage growth turned negative, posting the biggest year-over-year decrease in five years in Q4 2016 — the most recent average weekly wage data available”. Also stating that “the combination of accelerating home price growth and slowing wage growth, along with mortgage interest rates that are up nearly 50 basis points from a year ago, eroded home affordability nationwide to the lowest level in nearly nine years, and pushed the highest share of markets beyond the threshold of normal affordability in nearly eight years.”

Nationwide the median home sales price in the second quarter of 2017 was $253,000, up 7.7 percent from a year ago — the biggest annual increase since the Q1 2014. The average weekly wage nationwide was $1,067 in Q4 2016 (the most recent weekly wage data available from the Bureau of Labor Statistics) down 1.4 percent from a year ago — the biggest annual decrease since Q4 2011.

Median home prices in Q2 2017 grew at a faster annual pace than average weekly wages in 403 of the 464 counties analyzed in the report (87 percent), including Los Angeles County, California; Cook County, Illinois in the Chicago metro area; Maricopa County, Arizona in the Phoenix metro area; San Diego County, California; and Orange County, California.

“All counties within in the Seattle market area saw a sharp contraction in affordability between Q1 and Q2, which is disturbing,” said Matthew Gardner, chief economist at Windermere Real Estate, covering the Seattle market, where home price appreciation outpaced wage growth in all three area counties. “The local economy is firing on all cylinders but the number of homes for sale remains at almost historic low levels and this is putting intense upward pressure on home prices as demand far exceeds supply.

Median home prices in King County, where the city of Seattle is located, increased 15 percent from a year ago while average weekly wages increased 3 percent annually.

“Unfortunately, I do not expect to see any substantial growth in the number of homes going on the market through the balance of 2017 and this will continue to erode affordability as buyers compete for the few homes that are available to them,” Gardner added.

“Ohio continues to be a very affordable housing market, even though we are seeing an overall statewide increase in housing prices,” said Matthew Watercutter, senior regional vice president and broker of record for HER Realtors, covering the Dayton, Columbus and Cincinnati markets in Ohio.  “This increase is due to a lack of quality inventory, which causes multiple offers on homes and above asking offers in order for buyers to achieve an accepted offer very early in the marketing of new inventory.

“Some areas are still seeing lower than normal sale prices and home prices are still recovering,” Watercutter added. “These areas are still in an economic recovery mode, and have not seen the increase in housing prices as quickly as other areas of the state.”
Culled from: world property journal


World’s Most Expensive Office Markets of 2017 Revealed

Hong Kong, London, New York at Top of Global List
The latest annual Global Prime Office Occupancy Costs research conducted by CBRE reports that Hong Kong (Central) and London’s West End topped the list of prime office occupancy costs again.

Hong Kong (Central) and London’s West End remained the two most expensive office locations in the world. Hong Kong’s (Central) overall prime occupancy costs of $303 per sq. ft. per year topped the “most expensive” list, followed by London’s West End ($214 per sq. ft.), New York (Midtown) ($203 per sq. ft.), Hong Kong (West Kowloon) ($190 per sq. ft.) and Beijing (Central Business District (CBD)) ($183 per sq. ft.).

Richard Barkham, global chief economist, at CBRE said, “The global top-10 list reflects the ongoing strength of global gateway cities in attracting and maintaining a successful occupier base,”.

Global prime office occupancy costs–which reflect rent, plus local taxes and service charges for the highest-quality, “prime” office properties–rose 1.9 percent year-over-year, with the Americas up 3.6 percent, EMEA up 0.8 percent and Asia Pacific up 1.2 percent.

Durban (South Africa) had the highest increase in occupancy cost overall, though Stockholm (Sweden) registered some of the fastest growth in Europe, along with Palma de Mallorca (Spain), Belfast (U.K.) and Amsterdam (Netherlands). In Asia Pacific, Shanghai (Puxi) in China had the highest growth in occupancy cost, followed by Guangzhou, Bangalore and Shanghai (Pudong). Buenos Aires showed the biggest increase in the Americas overall, while suburban Denver, suburban Houston and New York Midtown South saw the largest occupancy-cost increases in the U.S.

CBRE tracks occupancy costs for prime office space in 121 markets around the globe. Of the top 50 “most expensive” markets, 21 were in Asia Pacific, 16 were in EMEA and 13 were in the Americas.

In EMEA, Durban (South Africa) had the highest increase in occupancy cost overall, though Stockholm (Sweden) registered some of the fastest growth in Europe. Palma de Mallorca (Spain), Belfast (U.K.) and Amsterdam (Netherlands) also showed double-digit growth, with Lyon (France) and Berlin (Germany) not far behind.
In Asia Pacific, Shanghai (Puxi) in China had the highest growth in occupancy cost, followed by Guangzhou, Bangalore and Shanghai (Pudong).

In Singapore, occupancy costs continued to fall, thanks to increased supply of office stock and weak levels of inflation.

Asia-Pacific was home to seven of the top 10 most expensive markets–Hong Kong (Central), Hong Kong (West Kowloon), Beijing (CBD), Beijing (Finance Street), Tokyo (Marunouchi/Otemachi), New Delhi (Connaught Place – CBD), and Shanghai (Pudong). Hong Kong (Central) is the only market in the world with a prime occupancy cost exceeding $300 per sq. ft.

Whereas in the Americas, suburban Denver, suburban Houston and New York Midtown South saw the largest occupancy-cost increases in the U.S., but Buenos Aires showed the biggest increase in the Americas overall.

New York Midtown, number three on the global list, remained the most expensive market in the Americas, with a prime office occupancy cost of $203 per sq. ft.  New York Midtown South took the eighth spot on the list with a prime office occupancy cost of $156 per sq.ft.

Culled from World Property Journal



Africa’s real estate sector is expected to experience a positive tweak as plans are on-going to commence a project on the first modern real estate comprising scores of buildings to be built in Addis Ababa with four billion birrs.

The construction of the real estate is to be carried out by a joint partnership of the Chinese private real estate company, Sino Mark, and Saba Engineering Company. The project will have facilities like swimming pools, sports centres, trade area, children’s playground and green area. The real estate to be built on 60 square meters around Gotera will have 21 buildings with a height of each over 20 floors.

President Mulatu Teshome, while laying down the foundation said, “the construction sector has been contributing 10 percent to domestic growth of countries”. He also noted that Real Estate and similar projects have been contributing 12.5 percent to the domestic growth of Ethiopia in the past 10 years.

According to him, the sector has been creating job opportunities for thousands, and this real estate project is expected to create over 500 jobs in the country.

Director-General of Sino Mark, Yan Sin Li said on his part said that his company will construct high quality modern real estate based on French design. He also said it would take three years to complete the construction of the real estate, adding that his company will, however, complete it within two years and a half.

Culled from: Addisbiz



Africa’s premier real estate competition, the African Property Investment Awards (API Awards) will be launched at this year’s API Summit & Expo 2017, taking place on the 24th August 2017, at the Sandton Convention Centre, Johannesburg, South Africa. The awards will recognise innovation and outstanding achievement across the entire property industry whilst providing distinguished developers, suppliers and owners working in Sub-Saharan Africa (Excl South Africa) with a platform to showcase their best projects and services.

API Events have proven their commitment to the African property industry, hosting successful and insightful summits for the last 8 years. As an independent organisation offering broad coverage of the African real estate sector, API Events have a reputation for fostering education, discussion and knowledge sharing throughout the industry, making them the ideal hosts for these prestigious awards.

Looking back on the last decade, there have been notable achievements in the development of real estate on the continent. Growth in the sector has highlighted the important role both local and regional investors and developers play in the industry. With this in mind, API Events has moved to introduce an awards platform that is both reputable and widely respected in order to recognise these achievements, as well as the distinction and quality of these contributions.

In his words, Kfir Rusin, API Events Managing Director said “With these awards, API Events hopes to not only encourage industry players to continue to achieve these same levels in regard to both industry standards and expectations but also to raise the development standards across the industry in future. As the market evolves we want to ensure that all stakeholders strive to achieve excellence, and at the same time recognise those who are delivering on pioneering developments in Africa’s often tough development environments”.

“As the continent’s pre-eminent property investment summit, it is fitting that API Summit & Expo should recognise excellence by giving awards to the best of the best. The prestige of an API Award will undoubtedly bring an increase in quality in all fields in the property industry in Africa,” adds jury panellist and owner of the W Hospitality Group, Trevor Ward.

The panel of judges will bring together a number of distinguished industry leaders from across the continent, each member boasting a variety of expertise and experience.

Joining Trevor Ward on the jury panel will be Gerhard Zeelie, Head Real Estate Finance: Rest of Africa at Standard Bank, (RSA), Joao Terlica, Managing Director at Sagaci Research (Nigeria), David Kinyua, Director at Esham Park Group (Kenya), Elizabeth Wangeci Chege, Chief Executive Officer at WEB Limited & Chairperson of the Kenya Green Building Society (Kenya), Godfrey Tapela, Director at IFC (Kenya), Wafula Nabutola, Regional Director of RICS (East Africa), Jenny Luesby, Managing Director of African Laughter (Kenya), Kaisi Kalambo, President for the Architects Association of Tanzania (Tanzania) and Malcolm Horne, Group CEO of The Broll Property Group.

The categories to be considered and awarded includes;

  1. Best Retail Development
  2. Best Mixed-Use Development
  3. Best Commercial High-rise Development
  4. Best Architectural Design
  5. Best Green Building in Sub-Saharan Africa
  6. Best Hotel Development
  7. Best Housing Development

Within these categories, jury members will base their final decision on a wide range of criteria with specific focus on project location; infrastructure and transport access; integration into the environment; originality of the concept; technical and architectural quality; services offered; sensitivity to the local community; innovation; sustainability; corporate staff involvement; response to market demands; financial performance; occupancy; and the impact of the project on economic convergence.

“There hasn’t been a greater opportunity in Africa to transform the construction industry than now. Sharing of information and best practice across the continent is prevalent, therefore; the API Awards will provide a platform to honour projects that seek to lead on development standards. Ultimately, what we build today will form the Africa of tomorrow,” says jury member, Elizabeth Wangeci Chege.

Culled from: Investadvocate


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