thanks shushu for the info but if i might ask, what are u still doing on this site??if you were part of the program.HAve 2 questions for you if you pls, 1)what will u advice someone that just got employment not upto a year with a bank in nigeria to do(cos am really considering apply) 2) how on earth can i apply for their graduate program(cos i cant find no form on line except through their cadet, ). An urgent response willbe very much appreciated.cheers