wel @seudocode u r rite. i spoke 2 one of my frends who joined UBN in 2009 and he said d d bond was operational den, some left bcos other offers. one got a job wit CBN, so he paid d balance of abt N1.35m. others were N850k etc dependin on hw much of the 2yrs was remainin 4 dem b4 its completion. 4 him, he's stil wit UBN abuja where he was posted 2 in 2009. he adviced me 2 take d offer sayin its a gud place 2 start one's career. as 4me other offers r stil pendin FBN,Stanbic IBTC&recently Guinness. its wel, may God direct me &us all