Naija girls are special in different ways. Forming is one of the many gifts that some of them inherit from their ancestors. Check out this conversation between a friend & a girl that can "form" Girls can form, She saw my Payoneer Card and she said i bank with those guys but I don't like how they treat their customer's! Out of shock i asked Me: How did you open the account with them ? She: Their branch are all over the place na! she: If you go to lagos you will see them..