IIBF DRA JAIIB Apply Process and Certificate Download Online PDF – iibf.esdsconnect.com

IIBF JAIIB DRA Apply Process and Certificate Download Online PDF – iibf.esdsconnect.com

Download Certificate From Below Link : https://iibf.esdsconnect.com/Download_ecertificate

Apply Online : https://iibf.esdsconnect.com/

HOW TO APPLY

  • Visit Institute’s web site www.iibf.org.in
  • If member of the Institute Click on “members” under ‘Apply for exams online’.
  • Read rules/syllabus/eligibility for examinations carefully
  • Read instructions to applicant carefully.
  • Select the examination you wish to apply;
  • Logon in with your membership number and password;
  • Read the instructions carefully and accept;
  • Fill in the details like mode, medium, centre for the exam as also the place of work etc;
  • Click on ‘preview’.
  • Check whether the data is correct, click on ‘accept and submit’ for online payment;
  • Before submitting the online application form the applicant shall ensure that the details are filled in properly and spelt correctly in the application.
  • Select the payment option (credit/debit card, net banking) and follow the on-screen instruction to complete the process
  • On successful completion Transaction Details will be displayed and the same will be emailed/SMSed to you for your information and record
  • If the process is not successful / incomplete appropriate message will be displayed on the screen and the applicant has to follow the online process again.
  • After submitting your payment information, please wait for the intimation from the server, it may take 1 to 5 seconds to process the request, but it may take long in certain cases. DO NOT press submit button once again, or Back or Refresh button.
  • Any communication in regard to online exam fees should be sent to iibfexam@iibf.org.in
  • In case payment is debited from candidate’s account and the transaction is not successful/completed, Institute will refund the entire fees electronically within 10-12 working days from the date of transaction. Refund timeline indicated is approximate, as the processing of refund is dependent on multiple organization and working days/holidays of bank/financial Institutes.

Please ensure to furnish correct Mobile number / e-mail address to receive the application confirmation and various communication from the Institute.

Certificate Examination for Debt Recovery Agents/ DRA Tele-callers

Rules & Syllabus 

 Reserve Bank of India has advised the Indian Banks’ Association to formulate, in consultation with Indian Institute of Banking and Finance (IIBF), a certificate course for Debt Recovery Agents who have undergone 100/ 50 hours of training. RBI has also stipulated that Banks/ NBFCs should ensure that within a period of one year all their recovery agents should undergo the above training and obtain the certificate from IIBF. Further, the service providers engaged by Banks/ NBFCs should employ only such personnel who have undergone the above training and obtained the certificate for the purpose of recovery from IIBF.

The course has been designed through a consultative process with senior executives of Indian Banks Association (IBA) and banks.

OBJECTIVE

This course aims

  • To improve functional knowledge in the areas of banking products, policies, processes and procedures,
  • To develop competence and soft skills for collection through fair

The training aims to bridge the knowledge gap of the Debt Recovery Agents about the bank products/ policies/ procedures and to sharpen the skill sets in collection, recovery, repossession of securities etc., as well as inter-personal behavioral areas.

CERTIFICATION PROCESS

For obtaining the certificate a candidate should:

  1. Join accredited training Institute and undergo 100/ 50 hours training as the case may be;
  2. Obtain Training Completion Certificate from the training Institute;
  3. Apply for Examination of the Institute;
  4. Appear and pass the Examination;
  5. Get pass certificate from the
    1. TRAINING FOR DRA

It has been decided that DRA training for collection/ recovery agent/ personnel employed by DSA/ DMA/ DRA or debt collection agency whatever name called can be offered by.

  1. Training institutions accredited by IIBF (list is available on iibf.org.in)
  2. Training establishments of bank/ NBFCs who have been notified by
  3. Training department of banks/ NBFCs who have indicated to IIBF to undertake such training for their bank/ NBFCs

The training will primarily focus on skill development and improvement of functional competency of collection agents/ DRAs and the duration of 100/ 50 hours will be distributed in the following ratio.

Functional Competencies

Focus will be on legal procedure and operational aspects of banking more particularly the collection function (25-30 hours out of 100 hours training and 15/ 20 hours out of 50 hours training) Soft skill development.

Focus will be on Personnel effectiveness and Interpersonal behavior (70-75 hours out of 100 hours training and 30-35 hours out of 50 hours training).

 

  1. TESTING BY IIBF

Once the DRA/ DRA Tele-callers training is complete the candidates will apply for the examination to be conducted by IIBF. This test will be in objective type and conducted online once in a month or greater frequency as may be decided from time to time. On successful pass of the test/ examination the candidate will be given a pass certificate.

  1. DUE DILIGENCE

Due Diligence will be the responsibility of Banks/ Institutions employing the candidates.

For Whom

  • Direct Selling Agent/ Direct Marketing Agent/ Debt Recovery Agent or any other agent, by whatever name call, who is engaged directly or indirectly either for remuneration or for commission in connection with recovery of debt of banks or enforcement of securities in banks.
  • Any individual who would like to make a career as a Debt Recovery Agent for a

ELIGIBILITY

  • Qualification of the candidate: The candidate shall possess the minimum qualification of SSC passed or above
  • Age: Candidate must have completed 18 years of age on the date of application for training
  • Training:
    1. 10th Std. Passed and up to graduation – 100 hours
    2. Graduation & above – 50 hours
  • Employees of BPO/ Call Centres with educational qualification of graduation and above need to undergo only 50 hours of training as per training schedule provided to Banks/ Accredited Institutes.

Candidate has to attach the following scanned documents at the time of registration for DRA examination:

  1. Proof of educational qualifications
  2. Age proof

Exemption: Retired Bank Officers (age 60 years and above) with wide experience in Recovery may be exempted by concerned banks from the training/ certification for appointment by them at their discretion.

PASSING CRITERIA:

Minimum marks for pass in the subject is 50 out of 100.

TIME LIMIT FOR PASSING THE EXAMINATION:

  • Candidates will be required to pass the examination in THREE ATTEMPTS within a period of NINE MONTHS from the date of completion of
  • Candidates not able to pass the examination within the stipulated time as stated above are required to re-enroll themselves for the DRA training. After completing the training they can enroll afresh for the

EXAMINATION FEES*:

Particulars For Members For Non-Members
First attempt Rs.1,200/- * Rs.1,500/- *
Subsequent each attempt Rs.1,200/- * Rs.1,200/- *

* Plus Convenience charges and Taxes as applicable.

Please Note: Candidates are required to Register for every attempt separately.

As a measure to streamline the traffic for registration, Institute will charge regular examination fee to candidates who registers for the examination during the regular open period of registration. For the extended days of registration, late fee of Rs.200 plus taxes, will be charged in addition to regular examination fee. This extended days of registration, also gives candidates addition opportunity to register for the examination, having missed the regular open period of registration.

 

The fee once paid will NOT be refunded or adjusted on any account.

MEDIUM OF EXAMINATION:

Examination will be conducted in English, Hindi and other vernacular languages viz. Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telegu and

Assamese. DRA Telecallers examination will be conducted in English only.

PATTERN OF EXAMINATION:

  • Question Paper will contain 90 objective type multiple choice questions for 100
  • The examination will be held in Online Mode only
  • There will NOT be negative marking for wrong

DURATION OF EXAMINATION:

The duration of the examination will be of one and half hours.

PERIODICITY AND EXAMINATION CENTRES:

  1. Online Examination will be conducted at pre announced dates published on IIBF Web Site.
  2. List of Examination centers will be available on the website. (Institute will conduct examination in those centers where there are 20 or more )

PROCEDURE FOR APPLYING FOR EXAMINATION

Application for examination should be registered online from the Institute’s website www.iibf.org.in. The schedule of examination and dates for registration will be published on IIBF website.

PROOF OF IDENTITY

Non-members applying for Institute’s examinations/ courses are required to attach/ submit a copy of any one of the following documents containing Name, Photo and Signature at the time of registration of Examination Application. Application without the same shall be liable to be rejected.

1) Photo ID Card issued by Employer or 2) PAN Card or 3) Driving License or 4) Election Voter’s ID Card or 5) Passport 6) Aadhaar Card

STUDY MATERIAL/ COURSEWARE

The Institute has developed a courseware to cover the syllabus. The courseware (book) for the subject/s will be available at outlets of publisher/s. Please visit IIBF website www.iibf.org.in under the menu “Exam Related” for details of book/s and address of publisher/s outlets. Candidates are advised to make full use of the courseware. However, as banking and finance fields are dynamic, rules and regulations witness rapid changes. Therefore, the courseware should not be considered as the only source of information while preparing for the examinations. Candidates are advised to go through the updates put on the IIBF website from time to time and go through Master Circulars/ Master Directions issued by RBI and publications of IIBF like IIBF Vision, Bank Quest, etc. All these sources are important from the examination point of view. Candidates are also to visit the websites of organizations like RBI, SEBI, BIS, IRDAI, FEDAI etc. besides going through other books & publications covering the subject/ exam concerned etc.

Questions based on current developments relating to the subject/ exam may also be asked. CUT-OFF DATE OF GUIDELINES/ IMPORTANT DEVELOPMENTS FOR EXAMINATIONS

The Institute has a practice of asking questions in each exam about the recent developments/ guidelines issued by the regulator(s) in order to test if the candidates keep themselves abreast of the current developments. However, there could be changes in the developments/ guidelines from the date the question papers are prepared and the dates of the actual examinations.

In order to address these issues effectively, it has been decided that:

  • In respect of the examinations to be conducted by the Institute for the period February to July of a calendar year, instructions/ guidelines issued by the regulator(s) and important developments in banking and finance up to 31st December will only be considered for the purpose of inclusion in the question papers”.

 

  • In respect of the examinations to be conducted by the Institute for the period August to January of a calendar year, instructions/ guidelines issued by the regulator(s) and important developments in banking and finance up to 30th June will only be considered for the purpose of inclusion in the question papers.

The table given below further clarifies the situation.

Particulars

Developments for Examination/s

Cut-off Date of Guidelines/ Important Developments for Examination/s
For the examinations to be conducted  by the Institute for the period February 2019

to July 2019

31st December 2018
For the examinations to be conducted  by the Institute for the period August 2019 to

January 2020

30th June 2019

SYLLABUS

The details of the prescribed syllabus which is indicative are furnished in the booklet. However, keeping in view the professional nature of examinations, all matters falling within the realm of the subject concerned will have to be studied by the candidate as questions  can be asked on all relevant matters under the subject. Candidates appearing for the examination should particularly prepare themselves for answering questions that may be asked on the latest developments taking place under the various subject/s of the said examination although those topics may not have been specifically included in the syllabus. The Institute also reserves to itself the right to vary the syllabus/ rules/ fee structure from time to time. Any alterations made will be notified from time to time. Further, questions based on current developments in banking and finance may be asked.

Candidates are advised to refer to financial newspapers/ periodicals more particularly “IIBF VISION” and “BANK QUEST” published by the Institute.

MODULE – A

Basics of Banking

Principles of Banking – Structure and Function of Banking – Retail Banking – Recent trends – e-banking – KYC norms

Brief Outline on Various Products

Credit Cards – Consumer Loans – Home Loans – Agriculture credit products etc.

MODULE – B

Soft skills

Communication skills – Inter personal skills – Telephone etiquette – Personal etiquette – Negotiation/ Persuasive skills – Analytical Ability – Inter personal behavior

Code of Ethics

RBI Guidelines Banks guidelines Case studies/ Case laws STUDY MATERIAL

The Institute has published study books to facilitate study and they will be available at outlets/ showrooms/ distributors of M/s. Taxmann Publication Pvt. Ltd. The price of each book and detailed list of outlets is mentioned below.

Candidates may purchase directly from outlets/ showrooms/ distributors of the above. Candidates who purchase books directly from outlets of publishers will be offered a discount of 20% on the cost price of the book. Candidates desirous of purchasing books by post will not be offered any discount. However, the postage will be borne by publishers. Candidates would be required to send their indent to publishers’ outlet along with a Demand Draft for the cost of books. The Demand Draft should be drawn in favor of M/s. Taxmann Publication Pvt. Ltd. (No cheques will be accepted). Candidates are requested not to send any request for the purchase of books to the Institute’s Zonal Offices/ Corporate Office.

 

IMPORTANT RULES/ INFORMATION FOR CANDIDATES

1.       ADMIT LETTER OF EXAMINATIONS:

  1. Admit letter to all eligible candidates will be emailed to the candidates in their email id registered with the Institute, 10 days before the examination
  2. Admit letter of all eligible candidates will be hosted on Institute’s website iibf.org.in under the menu ‘Exam Related’, 1 week before the examination date.
  3. For downloading and printing of admit letter from the above mentioned website, candidates will have to enter the following:
    1. Membership or registration number as login id

ii.       Edit profile password.

  • If candidates do not remember their Edit profile password, they have to click on the ‘Forgot password/ Get Password’ button after entering the Membership or Registration number. On clicking fresh edit profile password will be sent to their registered email
  1. Candidates are required to produce printed copy of admit letter along with Membership identity card or any other valid photo ID card in original (Aadhaar card/ e-Aadhar/ Employer’s card/ PAN Card/ Driving License/ Election voter’s card/ Passport etc.) at the examination

e.       In the absence of printed copy of Admit Letter and Photo Identity Card, candidates will be denied permission to write Examination.

  1. MOBILE PHONES
    1. Mobile phones and other electronic/ smart gadgets (except calculator as permissible) are not allowed in the examination hall. It is clarified that mere possession of mobile phone and other electronic/ smart gadgets in the examination hall whether in switch off mode or silent mode shall also be deemed to be resorting to adoption of unfair means in the

3.       USE OF CALCULATOR

  1. Candidates will be allowed to use battery operated portable calculator in the examination. The calculator can be of any type up to 8 functions i.e. (Addition, Subtraction, Multiplication, Division, Percentage, -root, Tax+ and Tax -), 12 digits.
  2. Attempt to use any other type of calculator not complying with the specifications indicated above or having more features than mentioned above shall tantamount to use of unfair means. Scientific calculator is not

4.       OTHER RULES/ INFORMATION

  1. Candidates should ensure that they sign the Attendance
  2. Candidates are advised to reach the Examination Venue before the reporting time mentioned in the admit letter. No candidate/s will be permitted to enter the Examination Venue after the gate closing time mentioned in the admit letter.

c.       No candidate will be permitted to leave the examination venue in the first 60 minutes from the scheduled start time of the examination.

  1. Candidates should occupy the seat mentioned against each subject in the Admit
  2. Candidates would be able to login to the system only with the password mentioned in this Admit Letter. This password should not be disclosed to others. Keep it safe to avoid the possible
  3. If the examination could not commence on scheduled time or there is delay due to Failure of power, Technical snag of whatsoever nature or for any such reason having bearing upon the conduct of examination; candidates have to: –
    1. Wait till resumption of power supply/ solving of technical
    2. Take-up the examination at other venue arranged by the examination conducting authority.
  • Follow instructions given by the examination conducting

 

  1. Candidates are required to strictly follow all the instructions given by the examination conducting authority during the examination and adhere to Rules of the examination.
  2. considered to be an act of serious misconduct and the Institute will take action as per the Rules of the examination, which will also be reported to the employer of the candidate.

5.       RULES, PENALTIES FOR MISCONDUCT/ UNFAIR PRACTICES:

  1. Communication of any sort between candidates or with outsiders is not permitted and complete silence should be maintained during the
  2. Copying answers from other candidates/ other printed/ Electronic material or permitting others to copy or consultation of any kind will attract the rules relating to unfair practices in the
  3. No candidate shall impersonate others or allow others to impersonate himself/ herself at the examination.
  4. No candidate shall misbehave/ argue with the Examination Conducting Authorities at the
  5. Candidates have to compulsory return any papers given including that given for rough work to
  6. Candidates should not possess and/ or use books, notes, periodicals, etc. in the examination hall at the time of examination/ or use mathematical tables, slide rules, stencils etc. during the

If any candidate violates any of the above rules, it will be considered to be an act of misconduct and he/she will be liable for punishment.

PLEASE REFER INSTITUTE’S WEBSITE UNDER THE MENU “EXAM RELATED” FOR DETAILS OF DEBARMENT PERIOD FOR UNFAIR PRACTICES ADOPTED BY CANDIDATES DURING CONDUCT OF INSTITUTE’S EXAMINATIONS.

  1. RESULT ADVICE/ CONSOLIDATED MARKSHEET/ FINAL CERTIFICATE
    1. Result Advice of candidates will be hosted on Institute’s website on declaration of result, which can be downloaded by the candidates.
    2. Consolidated mark sheet for candidates completing examination having more than one subject, will be available on the Institute’s website after the declaration of results. Candidates can download the same after entering login credentials using their membership number and edit profile
    3. Final certificates will be sent by speed post within 2 months after the declaration of result.

MULTIPLE CHOICE QUESTIONS (MCQS) AND ANSWERS

“The Institute conducts its examinations through Multiple Choice Questions (MCQs). These MCQs are part of the Question Bank of the Institute and its Intellectual Property. As a matter of policy, these MCQs and their answers will not be shared by the Institute with the candidates or others and no correspondence in this regard will be entertained.”

CONTACT DETAILS:

Register your queries through website www.iibf.org.in > Members/ Candidates Support Services (Help) or email all your queries to care@iibf.org.in

MEMBER SUPPORT SERVICE OFFICE:

Indian Institute of Banking & Finance 191-F, Maker Towers, 19th Floor, Cuffe Parade, Mumbai – 400 005

Tel.: 022-2218 3302/ 2218 5134

 

FOR TRAINING/ CONTACT CLASSES RELATED QUERIES CONTACT:

Leadership Centre

Indian Institute of Banking & Finance

Kohinoor City, Commercial-II, Tower-I, 3rd Floor,

Kirol Road, Off L. B. S. Marg, Kurla West, Mumbai 400 070. Tel.: 022 25039746/ 9604/ 9907

E-mail: training@iibf.org.in

PROFESSIONAL DEVELOPMENT CENTRES:

South Zone North Zone East Zone
Indian Institute of Banking & Indian Institute of Banking & Indian Institute of Banking &
Finance Finance Finance
No. 94, Jawaharlal Nehru Road, 102-113, Vikrant Towers, Hindusthan Building (Annexe),
(100 Feet Road), Opp. Hotel 1st Floor, 4 Rajendra Place, 7th Floor, 4, C. R. Avenue,
Ambica Empire, Vadapalani, New Delhi – 110 008. Kolkatta – 700 072.
Chennai – 600 026. Tel. : 011-2575 2191/ 92 Tel. : 033-2212 4992
Tel. : 044-2472 2990/ 2472 8587 E-mail : iibfnz@iibf.org.in E-mail : iibfez@iibf.org.in
E-mail : iibfsz@iibf.org.in    

CORPORATE OFFICE: Indian Institute of Banking & Finance, Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai – 400 070 Tel.: 022-2503 9746/ 9604/ 9907

IIBF Login {www.iibf.org.in}

Candidates Can make IIBF Login and can likewise apply for IIBF Certificate Exam after that. The IIBF Courses For IIBF Certificate Exam 2021-22 can be checked assuming the up-and-comer makes effective IIBF Login. Moves toward make IIBF Login are recorded underneath.

Up-and-comers need to visit the IIBF Portal for example https://www.iibf.org.in/
Here click on the Login Option accessible at the upper right corner.
Presently Enter your Username and Password.
Fill the Captcha.
Click on Login.
In the new tab, IIBF Login Page will open.
Check every one of the subtleties accessible and utilize the entrance according to require.

IIBF JAIIB Certificate Download

Candidate probably got that we are discussing the Indian Institute of Banking and Finance under that JAIIB Junior Associate Indian Institute of Bankers works. The IIBF Junior Associate Indian Institute of Bankers get the JAIIB Exam and Result 2021-22 Details are accessible in the connection given beneath. Candidates can Download JAIIB Certificate 2021-22 subsequent to finishing the JAIIB Exam 2021. The IIBF Certificate Download Online Method can be checked from the IIBF Login from the connection given underneath. Really look at the Steps to Download IIBF Certificate given beneath.

Har Ghar Tiranga Certificate Download

IIBF DRA Certificate Download New Trick

Moves toward be trailed by the contender to Download IIBF Certificate are given underneath. Candidates should check the IIBF Documents and Login Process Required For IIBF Certificate Download.

Applicants need to visit the IIBF Portal for example https://www.iibf.org.in/
Here click on the Login Option accessible at the upper right corner.
Presently Make a Login by utilizing Login Details.
In the new tab, IIBF Login Page will open.
Here Click on Download IIBF Certificate Option.
Enter the subtleties inquired.
Click on Submit.
On the Screen, the IIBF Certificate will open.
Click on the Download Option accessible.
The IIBF Certificate Pdf will be downloaded and saved money on your PC.

Who can Apply For IIBF Debt Recovery Agent (DRA) Certificate?

Candidates who are intrigued to apply for IIBF Education and DRA Certificate probably cleared 1Oth Board Exam. During the DRA Online Application, the age of the candidate should be over 18 yrs. The DRA Course will be 100 hours for these up-and-comers. Candidates applying after graduation need to go through an instructional course of 50hrs.

Encumbrance Certificate Online Kerala Download
Coronavirus Vaccination Certificate Download
Vehicle Registration Certificate

How to Get A DRA Certificate Online?

Not Everyone will get the DRA Certificate. The IIBF has set models for DRA Certificate to get declaration invalid and perceived way Students need to keep and go through guidelines of IIBF and DRA Course. These Rules are recorded beneath.

They need to Complete the DRA Training with 75% Attendance.
Candidates need to Clear the IIBF Examination.
Preparing Completion DRA Certificate will be accessible after the Exam Pass.

IIBF DRA Certificate Download New Trick

The Applicant can IIBF Debt Recovery Agent Certificate through IIBF Official Website. Moves toward Download DRA Certificate 2021 are given beneath.

As a matter of some importance, visit the IIBF Official Website for example https://iibf.esdsconnect.com/.
The landing page will open with Download Link.
Presently Enter the subtleties in Download Box.
Fill Membership Number and Password.
Click on Download.
On the screen, IIBF Debt Recovery Agent Certificate will open.
Click on the Download Option to get the Pdf of the Certificate.
Connect the Printer to get the DRA Certificate Download.
Dear Vistors, here we are giving all the data on DRA

INDIAN INSTITUTE OF BANKING & FINANCE
GUIDELINES FOR VISUALLY IMPAIRED & ORTHOPEADICALLY CHALLENGED CANDIDATES USING SCRIBE
Those candidates who are blind / low vision or affected by cerebral palsy with loco-motor impairment whose
writing speed is affected and Physically Handicapped (PH) candidates who are not in a position to operate
Keyboard and Mouse can use own scribe at his/her own cost during the examination. Compensatory time and
facility of scribe would not be provided to other Physically Handicapped candidates. In all such cases where a
scribe is to be used, the following rules will apply:
• The candidate should ensure that he/she is eligible to use a scribe as per the rules governing for attempting
examinations by individuals with disabilities as mentioned above.
• The candidate will have to arrange his/her own scribe at his/her own cost.
• The scribe should NOT be a working/retired banker or working/retired in/from any Financial Institution.
• The scribe can be from any academic stream.
• Both, the candidate as well as the scribe will have to give a suitable undertaking, in the prescribed format
with passport size photograph of the scribe, confirming that the scribe fulfils the stipulated eligibility
criteria as mentioned above. Further, in case it later transpires that he/she did not fulfill any of the laiddown eligibility criteria or suppressed material facts, the candidature of the applicant will stand cancelled,
irrespective of the result of the Examination.
• Such candidate who uses a scribe shall be eligible for compensatory time of 20 minutes for every hour of
the examination.
Procedure to be followed:
1. The candidate should send a scan copy of the DECLARATION as given in the Annexure-I duly completed
to email: iibfwzmem@iibf.org.in about such requirement and obtaining permission at least 30 days before
the commencement of the examination (This is required to make suitable arrangements at the examination
venue). Candidate is required to follow this procedure for each attempt of examination in case the help of
scribe is required.
2. Attested copy of the Certificate issued in respect of the disability of the candidate as mentioned above by
a competent Government Authority to be attached with the above DECLARATION. (Scan copy to be
attached)
3. The MSS Department will scrutinize such applications and if found in order, will sent mail for permission
granted to the candidate.
4. MSS Department will also inform Test conducting authorities at the Test Centre for the permission granted
to candidate/s and also request them to make separate seating arrangement so as not to cause any
disturbance to other regular candidates. The test conducting authorities at the Test center will have
discretionary powers to resolve issues, if any, in this regard.
5. The candidate is required to take printout of permission granted and carry the same to the test centre along
with original Declaration form & attested disability certificate. Candidate have to reach the venue 15
minutes before reporting time along with Admit Letter.

Updated: August 17, 2022 — 3:39 pm