Lagoon Microfinance Bank (LMB) is a fast-growing microfinance institution licensed by the Central Bank of Nigeria (CBN), with branches in Lagos, Ogun, and Oyo States. The bank recently conducted a staff audit and discovered significant skill gaps among its loan officers and customer service representatives. The Managing Director, Mr. Tunde Fashola, has directed the HR Department to develop a structured Training and Development (T&D) programme. The HR team has shortlisted three training methods: on-the-job training (OJT), vestibule training, and e-learning. Additionally, the bank is considering introducing a 360-degree performance appraisal system to replace the existing top-down annual review. Required: (a) Explain the concept of Training Needs Analysis (TNA) and outline the THREE levels at which TNA should be conducted at LMB. (9 marks) (b) Compare and contrast the THREE training methods shortlisted by LMB's HR team, stating ONE advantage and ONE disadvantage of each. (9 marks) (c) Explain the 360-degree performance appraisal system and state TWO advantages and TWO disadvantages of adopting it at LMB. (12 marks) Total: 30 marks