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RECRUITMENT OF CLERKS & PROBATIONARY OFFICERS - 2010


Federal Bank, a leading Private Sector Bank is hiring talented and aspiring
individuals for the post of (1) Clerks & (2) Probationary Officers.

Eligible candidates are advised to apply online between 30.09.2010 to 20.10.2010
(both    days       inclusive)  only   through    the  Federal Bank website
www.federalbank.co.in after carefully going through the instructions contained in
this advertisement. No other means/ mode of application will be accepted.


   1. Important Dates

Opening date of Online
                                                        30.09.2010
Registration Gateway
Closing date of Online
                                                        20.10.2010
Registration Gateway

Remittance of Application Fee                   28.09.2010 to 20.10.2010

                                         05.12.2010       Morning Session: Clerks
Date of Written Examination
                                                          Afternoon Session : PO’s
Candidates are advised to download call letters for appearing in the written test from
the website from 22.11.2010 onwards by entering their registration number and
password which will be generated at the time of applying online.



   2. Scale of pay and other emoluments

Candidates selected for Clerical cadre posts will be offered pay scale of ` 7200 –
400/3 – 8400 – 500/3 – 9900 – 600/4 – 12300 – 700/7 – 17200 – 1300/1 – 18500 –
800 /1 – 19300.

Candidates selected for Probationary Officer (Scale I) cadre posts will be offered pay
scale of ` 14500 – 600 /7 – 18700 – 700 /2 – 20100 – 800/7 – 25700.

DA, HRA, CCA will be paid as per rules of the Federal Bank in force from time
to time depending upon the place of posting. Medical Aid, Hospitalisation
Scheme, Leave fare concession, retirement benefits and other perquisites will be
admissible as per Bank’s rules. On a cost-to-company basis, the monthly pay
package for Clerks and Probationary Officers            including        all the
             allowances           and perquisites       will be approximately `
18000/- and ` 45000/- respectively subject to changes from time to time.
1. Probation Period

  Post
               Post          Initial Probation Period            Posting
  Code
                                                        The selected candidates
   01          Clerk               Six months.          are likely to be posted at
                                                        any place in Federal Bank
           Probationary                                 India or abroad as per the
   02                              Two years.           administrative requirements
              Officer
                                                        and discretion of the Bank

   2. Eligibility Criteria

 (a) Age Limit as on 01.07.2010

  Post
                 Post                               Age Limit
  code
    01           Clerk           Not above 24 years (born on or after 01.07.1986)

             Probationary
    02                           Not above 26 years (born on or after 01.07.1984)
                Officer

 SC/ ST candidates will be eligible for relaxation in upper age limit upto a maximum
 of 5 years.

 (b) Minimum Educational Qualifications as on 01.07.2010 - The date in the
     passing certificate / marks sheet Federal Bank of the qualifying exam should
     be on or before
     01.07.2010.


  Post
               Post                 Minimum Educational Qualification
  Code
                       Graduation with minimum 55% marks for science
                       subjects and minimum 50% marks for other streams from
                       any recognised university or other institutions established
    01       Clerk
                       by an Act of Federal Bank parliament or declared to be
                       deemed as a University under Section 3 of U G C Act,
                       1956.
                       Graduation in any discipline with minimum 60% marks
                       from any recognized university or other institutions
          Probationary established by an Act of parliament or declared to be
    02
             Officer   deemed as a University under Section 3 of U G C Act,
                       1956.


Note:
   · Graduation course or equivalent examination must entail a minimum of 3
      years of education after completing higher secondary schooling (10+2) or
equivalent. Graduation in Agriculture/ Engineering means those who have
          passed a 10+2+4 year course. Graduation in Law means those who have
          passed 10+2+5 year course in law or degree in any subject + 3 year course in
          Law.

   · The percentage of marks obtained by the candidate would be based on the
     practice followed by the University / Institution from where the candidate has
     obtained the degree. In case of the candidates being awarded grades /
     CGPA instead of marks, Federal Bank equivalence would be based on the
     equivalence certified by the University / Institution from where they have
     obtained the degree. In case the University / Institution does not have
     any scheme for converting               CGPA into equivalent        marks, the
               equivalence would             be established by the Bank by
     dividing obtained CGPA with the maximum possible CGPA and multiplying
     the resultant with 100.

   ·      Year wise / semester wise mark sheet for each year / semester in respect of
          the qualifying examination from the concerned University should be available.
          Since the reverse side of the mark sheet contains the instructions,
          photocopies of both sides of the mark sheets is necessary.

   ·      Working knowledge of computers is essential for both the posts.



   3. Application Fee Details ( Non refundable)

       Post              Post               Category            Application Fees
       Code
                                      SC/ST                            ` 50
          01             Clerk
                                      General/ OBC/ Others            ` 300
                     Probationary     SC/ST                            ` 75
          02
                       Officers       General/ OBC / Others            ` 400



   4. How to apply

Eligible candidates have to apply online through the Federal Bank website
only. No other means/ mode of application are acceptable. The application
format should be filled in English only. Before registering their applications on
the website, candidates should note / possess the following:

   (i)         An e-mail id which shall be valid for the duration of the recruitment
               process. In case the candidate does not have a valid e-mail id, he/ she
               has to create a new email id before applying online.

   (ii)        Application fee can be remitted at any branch of Federal Bank. For this
               purpose,     candidates     have    to     visit   the Bank’s  website
               www.federalbank.co.in and follow the link careers and download the
               payment challan for remitting the application fee.
(iii)    Application Fees can be remitted through other Banks also (through
         NEFT). The details of the account to which fee to be remitted is as
         follows:

         Account No.      10010200150362
         Account          Federal Bank RECRUITMENT APPLICATION FEE
         Name
         IFSC             FDRL0001001

         If the application fee is remitted through other Banks (through NEFT) the
         respective Federal Bank remittance slip can be used. However, following
         details should invariably be mentioned while applying online.

            · NEFT Reference Number

            · Date of remittance

            · Amount remitted

            · IFSC of Sending Branch

(iv)     If a candidate is eligible and desires to apply for more than one post, he /
         she should apply separately for each post. Application fee should also be
         remitted separately.

(v)      The payment towards recruitment application fees can be made from
         28.09.2010 onwards, but before the close of business hours on
         20.10.2010. ie, close of online registration gateway. Even if the Bank
         extends the last date of registration of online applications due to technical
         reasons, the valid dates during which the payment should be made as
         indicated above will not be changed.

(vi)     After remitting the application fee, logon to our Federal         Bank
                website www.federalbank.co.in and follow the link
                careers. Then click “Recruitment of Clerks and Probationary
         Officers– 2010”. Then click “apply online”. Then online application
         will open. Fill up all the details required in the application and click
         “Submit” available at the bottom of the online application and your
         online application will be registered. A Registration    Number    and
         Password will appear for your online registration immediately on the
         screen.           Candidates are required to take printout of the
         online application using the above registration number and
         password.         Candidates shall retain the printout of the online
         application with them.

(vii)    Candidates are required to bring to the examination centre at the time of
         written examination, the call letter, which can be downloaded by the
         candidate using the registration number and password obtained at the
         time of registration of online application. Candidates should possess
         copies of recent passport size colour photograph for pasting on the
         system generated call letter.

(viii)   Valid proof of identity such as PAN card/Passport/ Voter I D Card/ Driving
         License/ Permanent Identity card issued by the present employer or any
other valid proof of identification with a photograph should be produced at
           the time of written exam and interview to be conducted by the Federal
           Bank.

   (ix)    Candidates should submit the copy of the Payment Challan / counterfoil of
           application fee along with the call letter at the time of written examination,
           failing which the candidate will not be admitted for the written examination.


   5. Selection Procedure:

The selection process consists of Federal Bank written test, interview, etc. The
details of the written test are as follows:


For Clerks

                                                   No. of
   Test            Name of the Test                                       Time
                                                  Questions
     I      Test of Reasoning                         30
     II     Test of English Language                  30
     III    Test of Numerical Ability                 30           Composite time of
                                                                   120 minutes i.e. 2
            Computer     Knowledge         and                     hours for all the
    IV                                                40
            Aptitude                                               tests together
     V      Test of Financial Awareness               40
            Marketing    Knowledge         and
    VI                                                30
            Aptitude



For Probationary Officers

                                                  No. of
  Test            Name of the Test                                        Time
                                                 Questions
           General       and       Financial
     I                                               50
           Awareness
    II     Test of English Language                  40           Composite time of
    III    Test of Quantitative Aptitude              40          150 minutes i.e. 2
                                                                  hours     and   30
   IV      Test of Reasoning                          40          minutes for all the
           Computer     Knowledge          and                    tests together
    V                                                40
           Aptitude
   VI      Marketing Knowledge Aptitude               40

All the tests will be Objective type Federal Bank with five alternative choices out of
which one will be the correct answer. The tests will be in English only.

   6. Venues for the Written Test

The Bank will conduct the written test at Thiruvananthapuram, Ernakulam,
Kozhikode, Bangalore, Chennai, Mumbai & New Delhi.
General Instructions

1]   Before filling the online application form, the candidate must ensure that he/ she
     fulfills all the eligibility criteria with respect to age, educational qualifications etc. in
     respect of the post for which he / she is making the application and that the
     particulars furnished in the application form are correct in all respects. In case it is
     detected at any stage that a candidate does not fulfill any of the eligibility criteria,
     and / or that he / she has Federal Bank furnished any incorrect information or has
     suppressed any material fact(s), his / her candidature will stand cancelled.
                                                                              If any of these
     shortcomings is/are detected even after the appointment, his/her services are liable
     to be terminated.

2]   Admission to written examination will be purely provisional without verification of
     age/ qualification / experience / category /SC/ST/OBC), etc of the candidates with
     reference to documents. Decision of the Bank in all matters regarding eligibility of
     the candidate, the stages at which such scrutiny of eligibility is to be undertaken, the
     documents to be produced for the purpose of conduct of written test, interview,
     selection etc. and any other matter relating to recruitment will be final and binding on
     the candidates. No correspondence or personal enquiries shall be entertained by
     the Bank in this regard.

3]   The Federal Bank reserves the right to raise the minimum eligibility standard, etc., in
     order to restrict the number of candidates to be called for written test and
     interview commensurate with the number of vacancies.

4]   Eligible candidates have to appear for a written test and interview at their own
     expense at the venue and date notified by the Bank.

5]   An application once made will not be allowed to be withdrawn and the application
     fee once paid will NOT BE refunded on any account nor would be held in reserve for
     any future examination or selection. The application fee shall also NOT BE
     refunded in case the application is rejected / not considered by Federal Bank.

6]   Candidates are required to apply only online through the link provided on the
     Federal Bank website which will lead them to the online application form. The
     system generated printout of the application should be retained by the candidate.
     Candidate need not send the printout of the application form to the Bank. It will be
     required to send to a specified address only if the candidate qualifies in the written
     examination.

7]   Candidates are advised to keep their application fee details, particulars of
     educational qualifications and other personal details ready before applying as these
     details are required to fill in the online application form. After filling the form,
     candidates are required to click “SUBMIT” available at the bottom of the online
     application form. If the application is accepted, the system will generate a
     registration number and a password.

8]   Candidates are advised to download call letters for appearing in the written test from
     the website from 22.11.2010 onwards by entering their registration number and
password which will be generated at the time of applying online. A recent passport
      size colour photograph (without dark glasses) should be firmly pasted on the call
      letter at Federal Bank the prescribed place and should be signed across by
      the candidate. Sufficient copies of the same photograph should be retained for
      use at the time of written examination / interview. Candidates are advised not
      to change their appearance till the entire recruitment process is over. Failure to
      produce the same photograph at the time of written examination / interview may lead
      to disqualification.

9)    Candidates have to produce all the requisite certificates / documents in original with
      Xerox copies for verification at the time of interview along with a copy of the system
      generated print out of the application. Failure to do so shall lead to disqualification
      of the candidate.

10]   In respect of candidates belonging to SC/ST category, copy of self attested caste /
      tribe certificate along with the original must be brought at the time of interview along
      with a copy of the system generated print out of the application. The certificate
      should have been issued in the prescribed format and by Authorities empowered to
      issue such certificate.

11]   Candidates selected are liable to be posted anywhere in India or abroad as per the
      administrative requirements & discretion of the Bank.

12]   Any request for change of address / change of centre for written test/ interview shall
      not be entertained.

13]   The Federal Bank reserves the right to cancel any of the centres and / or add
      some other centres depending upon the response, administrative feasibility etc.
      The Bank also reserves the right to allot the candidate to any of the centres other
      than the one he / she has opted for.

14]   The Bank has the right to reject any application/ candidature at any stage without
      assigning any reason and the decision of the Bank shall be final.

15]   Appointments of selected candidates will be subject to his / her being declared
      medically fit by the Bank’s Medical Officer, satisfactory report about his / her
      character and antecedents by the Police Authorities, verification of caste / tribe
      certificate (for reserved category candidates only) and completion of all other pre
      recruitment formalities to the complete satisfaction of the Bank. Further, such
      appointment shall also be subject to Service and Conduct Rules of the Bank.

16]   The Federal Bank takes no responsibility for any delay in submission of online
      applications or communication. Candidates in their own interest are advised to
      submit on line applications well before the last date.

17]   Canvassing in any form will be a disqualification.

                                            ************

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Federalbank pdf

  • 1. RECRUITMENT OF CLERKS & PROBATIONARY OFFICERS - 2010 Federal Bank, a leading Private Sector Bank is hiring talented and aspiring individuals for the post of (1) Clerks & (2) Probationary Officers. Eligible candidates are advised to apply online between 30.09.2010 to 20.10.2010 (both days inclusive) only through the Federal Bank website www.federalbank.co.in after carefully going through the instructions contained in this advertisement. No other means/ mode of application will be accepted. 1. Important Dates Opening date of Online 30.09.2010 Registration Gateway Closing date of Online 20.10.2010 Registration Gateway Remittance of Application Fee 28.09.2010 to 20.10.2010 05.12.2010 Morning Session: Clerks Date of Written Examination Afternoon Session : PO’s Candidates are advised to download call letters for appearing in the written test from the website from 22.11.2010 onwards by entering their registration number and password which will be generated at the time of applying online. 2. Scale of pay and other emoluments Candidates selected for Clerical cadre posts will be offered pay scale of ` 7200 – 400/3 – 8400 – 500/3 – 9900 – 600/4 – 12300 – 700/7 – 17200 – 1300/1 – 18500 – 800 /1 – 19300. Candidates selected for Probationary Officer (Scale I) cadre posts will be offered pay scale of ` 14500 – 600 /7 – 18700 – 700 /2 – 20100 – 800/7 – 25700. DA, HRA, CCA will be paid as per rules of the Federal Bank in force from time to time depending upon the place of posting. Medical Aid, Hospitalisation Scheme, Leave fare concession, retirement benefits and other perquisites will be admissible as per Bank’s rules. On a cost-to-company basis, the monthly pay package for Clerks and Probationary Officers including all the allowances and perquisites will be approximately ` 18000/- and ` 45000/- respectively subject to changes from time to time.
  • 2. 1. Probation Period Post Post Initial Probation Period Posting Code The selected candidates 01 Clerk Six months. are likely to be posted at any place in Federal Bank Probationary India or abroad as per the 02 Two years. administrative requirements Officer and discretion of the Bank 2. Eligibility Criteria (a) Age Limit as on 01.07.2010 Post Post Age Limit code 01 Clerk Not above 24 years (born on or after 01.07.1986) Probationary 02 Not above 26 years (born on or after 01.07.1984) Officer SC/ ST candidates will be eligible for relaxation in upper age limit upto a maximum of 5 years. (b) Minimum Educational Qualifications as on 01.07.2010 - The date in the passing certificate / marks sheet Federal Bank of the qualifying exam should be on or before 01.07.2010. Post Post Minimum Educational Qualification Code Graduation with minimum 55% marks for science subjects and minimum 50% marks for other streams from any recognised university or other institutions established 01 Clerk by an Act of Federal Bank parliament or declared to be deemed as a University under Section 3 of U G C Act, 1956. Graduation in any discipline with minimum 60% marks from any recognized university or other institutions Probationary established by an Act of parliament or declared to be 02 Officer deemed as a University under Section 3 of U G C Act, 1956. Note: · Graduation course or equivalent examination must entail a minimum of 3 years of education after completing higher secondary schooling (10+2) or
  • 3. equivalent. Graduation in Agriculture/ Engineering means those who have passed a 10+2+4 year course. Graduation in Law means those who have passed 10+2+5 year course in law or degree in any subject + 3 year course in Law. · The percentage of marks obtained by the candidate would be based on the practice followed by the University / Institution from where the candidate has obtained the degree. In case of the candidates being awarded grades / CGPA instead of marks, Federal Bank equivalence would be based on the equivalence certified by the University / Institution from where they have obtained the degree. In case the University / Institution does not have any scheme for converting CGPA into equivalent marks, the equivalence would be established by the Bank by dividing obtained CGPA with the maximum possible CGPA and multiplying the resultant with 100. · Year wise / semester wise mark sheet for each year / semester in respect of the qualifying examination from the concerned University should be available. Since the reverse side of the mark sheet contains the instructions, photocopies of both sides of the mark sheets is necessary. · Working knowledge of computers is essential for both the posts. 3. Application Fee Details ( Non refundable) Post Post Category Application Fees Code SC/ST ` 50 01 Clerk General/ OBC/ Others ` 300 Probationary SC/ST ` 75 02 Officers General/ OBC / Others ` 400 4. How to apply Eligible candidates have to apply online through the Federal Bank website only. No other means/ mode of application are acceptable. The application format should be filled in English only. Before registering their applications on the website, candidates should note / possess the following: (i) An e-mail id which shall be valid for the duration of the recruitment process. In case the candidate does not have a valid e-mail id, he/ she has to create a new email id before applying online. (ii) Application fee can be remitted at any branch of Federal Bank. For this purpose, candidates have to visit the Bank’s website www.federalbank.co.in and follow the link careers and download the payment challan for remitting the application fee.
  • 4. (iii) Application Fees can be remitted through other Banks also (through NEFT). The details of the account to which fee to be remitted is as follows: Account No. 10010200150362 Account Federal Bank RECRUITMENT APPLICATION FEE Name IFSC FDRL0001001 If the application fee is remitted through other Banks (through NEFT) the respective Federal Bank remittance slip can be used. However, following details should invariably be mentioned while applying online. · NEFT Reference Number · Date of remittance · Amount remitted · IFSC of Sending Branch (iv) If a candidate is eligible and desires to apply for more than one post, he / she should apply separately for each post. Application fee should also be remitted separately. (v) The payment towards recruitment application fees can be made from 28.09.2010 onwards, but before the close of business hours on 20.10.2010. ie, close of online registration gateway. Even if the Bank extends the last date of registration of online applications due to technical reasons, the valid dates during which the payment should be made as indicated above will not be changed. (vi) After remitting the application fee, logon to our Federal Bank website www.federalbank.co.in and follow the link careers. Then click “Recruitment of Clerks and Probationary Officers– 2010”. Then click “apply online”. Then online application will open. Fill up all the details required in the application and click “Submit” available at the bottom of the online application and your online application will be registered. A Registration Number and Password will appear for your online registration immediately on the screen. Candidates are required to take printout of the online application using the above registration number and password. Candidates shall retain the printout of the online application with them. (vii) Candidates are required to bring to the examination centre at the time of written examination, the call letter, which can be downloaded by the candidate using the registration number and password obtained at the time of registration of online application. Candidates should possess copies of recent passport size colour photograph for pasting on the system generated call letter. (viii) Valid proof of identity such as PAN card/Passport/ Voter I D Card/ Driving License/ Permanent Identity card issued by the present employer or any
  • 5. other valid proof of identification with a photograph should be produced at the time of written exam and interview to be conducted by the Federal Bank. (ix) Candidates should submit the copy of the Payment Challan / counterfoil of application fee along with the call letter at the time of written examination, failing which the candidate will not be admitted for the written examination. 5. Selection Procedure: The selection process consists of Federal Bank written test, interview, etc. The details of the written test are as follows: For Clerks No. of Test Name of the Test Time Questions I Test of Reasoning 30 II Test of English Language 30 III Test of Numerical Ability 30 Composite time of 120 minutes i.e. 2 Computer Knowledge and hours for all the IV 40 Aptitude tests together V Test of Financial Awareness 40 Marketing Knowledge and VI 30 Aptitude For Probationary Officers No. of Test Name of the Test Time Questions General and Financial I 50 Awareness II Test of English Language 40 Composite time of III Test of Quantitative Aptitude 40 150 minutes i.e. 2 hours and 30 IV Test of Reasoning 40 minutes for all the Computer Knowledge and tests together V 40 Aptitude VI Marketing Knowledge Aptitude 40 All the tests will be Objective type Federal Bank with five alternative choices out of which one will be the correct answer. The tests will be in English only. 6. Venues for the Written Test The Bank will conduct the written test at Thiruvananthapuram, Ernakulam, Kozhikode, Bangalore, Chennai, Mumbai & New Delhi.
  • 6. General Instructions 1] Before filling the online application form, the candidate must ensure that he/ she fulfills all the eligibility criteria with respect to age, educational qualifications etc. in respect of the post for which he / she is making the application and that the particulars furnished in the application form are correct in all respects. In case it is detected at any stage that a candidate does not fulfill any of the eligibility criteria, and / or that he / she has Federal Bank furnished any incorrect information or has suppressed any material fact(s), his / her candidature will stand cancelled. If any of these shortcomings is/are detected even after the appointment, his/her services are liable to be terminated. 2] Admission to written examination will be purely provisional without verification of age/ qualification / experience / category /SC/ST/OBC), etc of the candidates with reference to documents. Decision of the Bank in all matters regarding eligibility of the candidate, the stages at which such scrutiny of eligibility is to be undertaken, the documents to be produced for the purpose of conduct of written test, interview, selection etc. and any other matter relating to recruitment will be final and binding on the candidates. No correspondence or personal enquiries shall be entertained by the Bank in this regard. 3] The Federal Bank reserves the right to raise the minimum eligibility standard, etc., in order to restrict the number of candidates to be called for written test and interview commensurate with the number of vacancies. 4] Eligible candidates have to appear for a written test and interview at their own expense at the venue and date notified by the Bank. 5] An application once made will not be allowed to be withdrawn and the application fee once paid will NOT BE refunded on any account nor would be held in reserve for any future examination or selection. The application fee shall also NOT BE refunded in case the application is rejected / not considered by Federal Bank. 6] Candidates are required to apply only online through the link provided on the Federal Bank website which will lead them to the online application form. The system generated printout of the application should be retained by the candidate. Candidate need not send the printout of the application form to the Bank. It will be required to send to a specified address only if the candidate qualifies in the written examination. 7] Candidates are advised to keep their application fee details, particulars of educational qualifications and other personal details ready before applying as these details are required to fill in the online application form. After filling the form, candidates are required to click “SUBMIT” available at the bottom of the online application form. If the application is accepted, the system will generate a registration number and a password. 8] Candidates are advised to download call letters for appearing in the written test from the website from 22.11.2010 onwards by entering their registration number and
  • 7. password which will be generated at the time of applying online. A recent passport size colour photograph (without dark glasses) should be firmly pasted on the call letter at Federal Bank the prescribed place and should be signed across by the candidate. Sufficient copies of the same photograph should be retained for use at the time of written examination / interview. Candidates are advised not to change their appearance till the entire recruitment process is over. Failure to produce the same photograph at the time of written examination / interview may lead to disqualification. 9) Candidates have to produce all the requisite certificates / documents in original with Xerox copies for verification at the time of interview along with a copy of the system generated print out of the application. Failure to do so shall lead to disqualification of the candidate. 10] In respect of candidates belonging to SC/ST category, copy of self attested caste / tribe certificate along with the original must be brought at the time of interview along with a copy of the system generated print out of the application. The certificate should have been issued in the prescribed format and by Authorities empowered to issue such certificate. 11] Candidates selected are liable to be posted anywhere in India or abroad as per the administrative requirements & discretion of the Bank. 12] Any request for change of address / change of centre for written test/ interview shall not be entertained. 13] The Federal Bank reserves the right to cancel any of the centres and / or add some other centres depending upon the response, administrative feasibility etc. The Bank also reserves the right to allot the candidate to any of the centres other than the one he / she has opted for. 14] The Bank has the right to reject any application/ candidature at any stage without assigning any reason and the decision of the Bank shall be final. 15] Appointments of selected candidates will be subject to his / her being declared medically fit by the Bank’s Medical Officer, satisfactory report about his / her character and antecedents by the Police Authorities, verification of caste / tribe certificate (for reserved category candidates only) and completion of all other pre recruitment formalities to the complete satisfaction of the Bank. Further, such appointment shall also be subject to Service and Conduct Rules of the Bank. 16] The Federal Bank takes no responsibility for any delay in submission of online applications or communication. Candidates in their own interest are advised to submit on line applications well before the last date. 17] Canvassing in any form will be a disqualification. ************