black and white state seal

DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF INSURANCE

MURIELLE RENE LOWERY

PRODUCER RESIDENT

License Number:
PRR26735
Status:
Active
First Licensure:
01/06/1990
Cancel Date:
None
Renewal Date:
11/30/2026

Continuing Education:
Required by 11/30/2026
Hours Required:
Ethics:
3
Total Required:
24
Hours Acquired:
Ethics:
3
Total Acquired:
31

Mailing:
PORTLAND, ME 04102
Phone:
+1 (207) 698-4647
Fax:
+1 (207) 780-1677
Email:
licensing@crossagency.com

History
License Type Start Date End Date
PRODUCER RESIDENT 01/06/1990 11/30/2026

Agency
Name Issue Date License Number Expiration Date Cancel Date
BATCHELDER BROS INSURANCE INC
 09/29/2010 AGR29501 08/23/2012
BRJ LLC
 11/05/2004 AGN84111 07/01/2009
CROSS INSURANCE, INC. - MAINE
 02/16/2024 AGR19087
DESMOND & PAYNE INC
 02/01/2008 AGR2206 09/02/2010
DESMOND & PAYNE INC
 03/15/2016 AGR2206 01/24/2024
THE DUNLAP CORPORATION OF NEW HAMPSHIRE
 01/10/1994 AGN38470 06/02/1999
FOY INSURANCE GROUP INC
 06/29/1999 AGN44646 12/15/2000
GSBI INSURANCE GROUP INC
 02/06/2003 AGN60611 10/20/2004
KENNEBUNK SAVINGS INSURANCE INC
 08/23/2012 AGR12201 04/28/2016

Employer
Name Issue Date License Number Expiration Date Cancel Date
ACADIA INSURANCE COMPANY
 01/22/2009 PCF35064 11/03/2010
ACADIA INSURANCE COMPANY
 04/18/2019 PCF35064
ACE AMERICAN INSURANCE COMPANY
 03/04/2016 PCF640
ACUITY A MUTUAL INSURANCE COMPANY
 03/21/2016 PCF155357
AIG PROPERTY CASUALTY COMPANY
 06/16/2011 PCF393 08/07/2014
AIG PROPERTY CASUALTY COMPANY
 07/21/2019 PCF393
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/15/2008 PCF75617 09/20/2010
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 02/07/2011 PCF75617 10/28/2015
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 03/22/2016 PCF75617 06/05/2018
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/15/2008 PCF145893 09/20/2010
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 02/07/2011 PCF145893 06/05/2018
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
 08/04/2021 PCF864 11/23/2022
ALLSTATE INDEMNITY COMPANY
 08/04/2021 PCF522 11/23/2022
ALLSTATE INSURANCE COMPANY
 08/04/2021 PCF354 11/23/2022
ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY
 08/04/2021 PCF84066 11/23/2022
AMERICAN AND FOREIGN INSURANCE COMPANY
 11/22/1999 PCF838 12/31/2004
AMERICAN CASUALTY COMPANY OF READING PENNSYLVANIA
 09/16/2004 PCF358 02/08/2005
AMERICAN ECONOMY INSURANCE COMPANY
 02/23/2011 PCF363 02/24/2016
AMERICAN ECONOMY INSURANCE COMPANY
 08/31/2021 PCF363 10/10/2024
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS
 10/23/2003 LHF645 12/31/2008
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS
 07/15/2009 LHF645 07/31/2010
AMERICAN MODERN HOME INSURANCE COMPANY
 10/19/2015 PCF808 09/28/2017
AMERICAN MODERN PROPERTY & CASUALTY INSURANCE COMPANY
 03/24/2022 PCF234561
AMERICAN MODERN SELECT INSURANCE COMPANY
 10/19/2015 PCF123448 09/28/2017
AMERICAN STATES INSURANCE COMPANY
 02/23/2011 PCF377 02/24/2016
AMERICAN STRATEGIC INSURANCE CORP
 03/22/2017 PCF258492
ANSUR AMERICA INSURANCE COMPANY
 02/27/2024 PCF95773
ARROWOOD INDEMNITY COMPANY
 11/22/1999 PCF837 10/26/2007
ASSURITY LIFE INSURANCE COMPANY
 10/28/2003 LHF179 10/28/2005
ASSURITY LIFE INSURANCE COMPANY
 07/17/2008 LHF179 10/13/2011
ATHOME INSURANCE COMPANY
 03/11/2008 PCF503 06/14/2010
AUTO-OWNERS LIFE INSURANCE COMPANY
 02/11/2019 LHF283409 01/05/2023
AUTO-OWNERS LIFE INSURANCE COMPANY
 01/31/2023 LHF283409
THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
 03/13/2008 PCF659 10/08/2010
BANKERS STANDARD INSURANCE COMPANY
 03/04/2016 PCF152165
BRISTOL WEST INSURANCE COMPANY
 04/30/2008 PCF78370
C M LIFE INSURANCE COMPANY
 11/19/2003 LHF906 07/28/2010
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 08/10/2016 PCF396
CASCO INDEMNITY COMPANY
 01/01/2013 PCF921 11/27/2024
CASCO INDEMNITY COMPANY
 09/19/2025 PCF921
THE CHARTER OAK FIRE INSURANCE COMPANY
 10/28/2021 PCF403
CHASE INSURANCE LIFE AND ANNUITY COMPANY
 03/24/2003 LHF165 03/09/2006
CHUBB INDEMNITY INSURANCE COMPANY
 02/03/2011 PCF591
CHUBB NATIONAL INSURANCE COMPANY
 01/23/2014 PCF80404
THE CINCINNATI CASUALTY COMPANY
 09/03/2025 PCF137248
THE CINCINNATI INDEMNITY COMPANY
 09/03/2025 PCF137240
THE CINCINNATI INSURANCE COMPANY
 09/03/2025 PCF989
THE CINCINNATI LIFE INSURANCE COMPANY
 04/03/2024 LHF75044
CITIZENS INSURANCE COMPANY OF AMERICA
 04/04/2008 PCF937 09/20/2010
CITIZENS INSURANCE COMPANY OF AMERICA
 02/07/2011 PCF937 06/05/2018
COLUMBIAN MUTUAL LIFE INSURANCE COMPANY
 10/21/2009 LHF807 12/06/2013
COMMERCE AND INDUSTRY INSURANCE COMPANY
 06/16/2011 PCF413 08/07/2014
COMMERCE AND INDUSTRY INSURANCE COMPANY
 07/21/2019 PCF413
COMMERCE INSURANCE COMPANY (THE)
 04/13/2016 PCF53427
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 02/26/2008 PCF416 06/14/2011
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 03/18/2016 PCF416
CONTINENTAL CASUALTY COMPANY
 09/16/2004 PCF420 02/08/2005
CONTINENTAL WESTERN INSURANCE COMPANY
 01/22/2009 PCF673 11/03/2010
CONTINENTAL WESTERN INSURANCE COMPANY
 04/18/2019 PCF673
DAIRYLAND INSURANCE COMPANY
 02/27/2008 PCF721 01/20/2009
DAIRYLAND INSURANCE COMPANY
 03/24/2016 PCF721
DORCHESTER MUTUAL INSURANCE COMPANY
 06/04/2008 PCF426 08/27/2013
EMPLOYERS FIRE INSURANCE COMPANY
 03/04/2009 PCF41 06/21/2012
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 02/27/2017 PCF434
EXCELSIOR INSURANCE COMPANY
 05/01/2003 PCF46786 10/07/2010
EXCELSIOR INSURANCE COMPANY
 02/23/2011 PCF46786 02/24/2016
EXECUTIVE RISK INDEMNITY INC.
 02/03/2011 PCF42522
FARMERS CASUALTY INSURANCE COMPANY
 03/10/2021 PCF895 03/22/2021
FARMERS CASUALTY INSURANCE COMPANY
 05/17/2021 PCF895
FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY
 03/10/2021 PCF714
FEDERAL INSURANCE COMPANY
 02/03/2011 PCF439
FIREMANS FUND INSURANCE COMPANY
 08/15/2016 PCF443
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 01/22/2009 PCF35141 11/03/2010
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 04/18/2019 PCF35141
FIRST COLONY LIFE INSURANCE COMPANY
 05/09/2003 LHF175 07/06/2005
FIRST COLONY LIFE INSURANCE COMPANY
 11/11/2005 LHF175 01/01/2007
FIRST LIBERTY INSURANCE CORPORATION
 01/01/2001 PCF31779 01/31/2003
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 01/29/1996 PCF445 01/22/2003
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 11/07/2005 PCF445
FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY
 03/22/2016 PCF37337 08/28/2019
FOREMOST SIGNATURE INSURANCE COMPANY
 03/22/2016 PCF176307 08/28/2019
FRANKENMUTH INSURANCE COMPANY
 03/10/2011 PCF83684 02/18/2016
FRANKENMUTH INSURANCE COMPANY
 03/07/2017 PCF83684
GENERAL INSURANCE COMPANY OF AMERICA
 02/23/2011 PCF447 02/24/2016
GENWORTH LIFE & ANNUITY INSURANCE COMPANY
 01/01/2007 LHF966 05/27/2009
GENWORTH LIFE & ANNUITY INSURANCE COMPANY
 12/29/2009 LHF966 05/14/2012
GREAT AMERICAN INSURANCE COMPANY
 06/15/2010 PCF764
GREAT NORTHERN INSURANCE COMPANY
 02/03/2011 PCF455
GREEN MOUNTAIN INSURANCE COMPANY INC
 02/26/2008 PCF73 06/14/2011
GREEN MOUNTAIN INSURANCE COMPANY INC
 03/18/2016 PCF73
THE HANOVER AMERICAN INSURANCE COMPANY
 03/22/2016 PCF197298 06/05/2018
THE HANOVER INSURANCE COMPANY
 04/04/2008 PCF712 09/20/2010
THE HANOVER INSURANCE COMPANY
 02/07/2011 PCF712 06/05/2018
HARTFORD ACCIDENT & INDEMNITY COMPANY
 10/09/2008 PCF462 01/08/2010
HARTFORD ACCIDENT & INDEMNITY COMPANY
 06/16/2016 PCF462 01/25/2018
HARTFORD CASUALTY INSURANCE COMPANY
 10/09/2008 PCF967 01/08/2010
HARTFORD FIRE INSURANCE COMPANY
 10/09/2008 PCF464 01/08/2010
INDEMNITY INSURANCE COMPANY OF NORTH AMERICA
 03/04/2016 PCF50104
INTEGON NATIONAL INSURANCE COMPANY
 10/24/2016 PCF310
KEMPER INDEPENDENCE INSURANCE COMPANY
 02/01/2017 PCF94586
LIBERTY INSURANCE CORPORATION
 01/01/2001 PCF999 01/31/2003
LIBERTY MUTUAL FIRE INSURANCE COMPANY
 01/01/2001 PCF330 01/31/2003
LIBERTY MUTUAL INSURANCE COMPANY
 01/01/2001 PCF331 01/31/2003
LINCOLN LIFE ASSURANCE COMPANY OF BOSTON
 01/29/2001 LHF339 01/31/2003
LM INSURANCE CORPORATION
 01/01/2001 PCF31778 01/31/2003
MAIN STREET AMERICA ASSURANCE COMPANY
 02/29/2008 PCF997 09/07/2010
MAIN STREET AMERICA ASSURANCE COMPANY
 02/01/2011 PCF997
MAIN STREET AMERICA PROTECTION INSURANCE COMPANY
 04/21/2016 PCF235440
MASSACHUSETTS BAY INSURANCE COMPANY
 04/04/2008 PCF505 09/20/2010
MASSACHUSETTS BAY INSURANCE COMPANY
 02/07/2011 PCF505 06/05/2018
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
 11/19/2003 LHF17 07/28/2010
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 08/10/2016 PCF79
MIC GENERAL INSURANCE CORPORATION
 02/25/2025 PCF66467
MIDDLESEX MUTUAL ASSURANCE COMPANY
 11/15/2004 PCF844 09/20/2010
MIDVALE INDEMNITY COMPANY
 09/15/2020 PCF79410
MMG INSURANCE COMPANY
 02/20/2008 PCD5 09/11/2010
MMG INSURANCE COMPANY
 03/22/2016 PCD5
NATIONAL FIRE INSURANCE COMPANY OF HARTFORD
 09/16/2004 PCF523 02/08/2005
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA
 03/05/2025 PCF527
NETHERLANDS INSURANCE COMPANY
 05/01/2003 PCF827 10/07/2010
NETHERLANDS INSURANCE COMPANY
 02/23/2011 PCF827 02/24/2016
NETHERLANDS INSURANCE COMPANY
 03/24/2016 PCF827 04/26/2024
NGM INSURANCE COMPANY
 02/29/2008 PCF86 09/07/2010
NGM INSURANCE COMPANY
 02/01/2011 PCF86
NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY
 06/04/2008 PCF535 08/27/2013
NORTHERN SECURITY INSURANCE COMPANY INC
 05/13/2008 PCF36 09/22/2010
NORTHERN SECURITY INSURANCE COMPANY INC
 09/23/2010 PCF36
OHIO CASUALTY INSURANCE COMPANY
 10/15/2008 PCF73059 10/07/2010
OHIO CASUALTY INSURANCE COMPANY
 02/23/2011 PCF73059 02/24/2016
OHIO CASUALTY INSURANCE COMPANY
 11/14/2023 PCF73059
OHIO SECURITY INSURANCE COMPANY
 09/05/2014 PCF200581 02/24/2016
OHIO SECURITY INSURANCE COMPANY
 10/12/2017 PCF200581 12/23/2021
OHIO SECURITY INSURANCE COMPANY
 05/01/2022 PCF200581
PACIFIC EMPLOYERS INSURANCE COMPANY
 03/04/2016 PCF546
PACIFIC INDEMNITY COMPANY
 02/03/2011 PCF547
PATRIOT INSURANCE COMPANY
 05/02/2005 PCD208274 02/28/2007
PATRIOT INSURANCE COMPANY
 03/14/2008 PCD208274 09/27/2010
PATRIOT INSURANCE COMPANY
 03/10/2011 PCD208274 02/18/2016
PATRIOT INSURANCE COMPANY
 03/07/2017 PCD208274
PATRIOT LIFE INSURANCE COMPANY
 02/22/2017 LHF43811
PATRONS OXFORD INSURANCE COMPANY
 02/19/2008 PCD7
PEERLESS INDEMNITY INSURANCE COMPANY
 04/08/2008 PCF97399 10/07/2010
PEERLESS INDEMNITY INSURANCE COMPANY
 02/23/2011 PCF97399 02/24/2016
PEERLESS INSURANCE COMPANY
 05/01/2003 PCF548 10/07/2010
PEERLESS INSURANCE COMPANY
 02/23/2011 PCF548 02/24/2016
PEERLESS INSURANCE COMPANY
 03/24/2016 PCF548
PENINSULA INSURANCE COMPANY-THE
 03/24/2016 PCF120460
THE PHOENIX INSURANCE COMPANY
 03/13/2008 PCF557 10/08/2010
THE PHOENIX INSURANCE COMPANY
 02/11/2011 PCF557 03/01/2016
THE PHOENIX INSURANCE COMPANY
 10/28/2021 PCF557
PRINCIPAL LIFE INSURANCE COMPANY
 12/16/2005 LHF406 07/10/2009
PROGRESSIVE NORTHERN INSURANCE COMPANY
 07/29/2003 PCF51006 02/12/2007
PROGRESSIVE NORTHERN INSURANCE COMPANY
 04/03/2008 PCF51006 07/23/2009
PROGRESSIVE NORTHERN INSURANCE COMPANY
 04/19/2010 PCF51006 09/27/2010
PROGRESSIVE NORTHERN INSURANCE COMPANY
 10/20/2010 PCF51006
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 07/29/2003 PCF27738 02/12/2007
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 04/03/2008 PCF27738 09/27/2010
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 10/20/2010 PCF27738
PROVIDENCE MUTUAL FIRE INSURANCE COMPANY
 03/14/2008 PCF562 10/26/2010
PROVIDENCE MUTUAL FIRE INSURANCE COMPANY
 11/04/2010 PCF562
PRUCO LIFE INSURANCE COMPANY
 02/28/2006 LHF768 12/09/2008
ROYAL INSURANCE COMPANY OF AMERICA
 11/22/1999 PCF684 12/31/2004
SAFECO INSURANCE COMPANY OF AMERICA
 05/23/2022 PCF715
SAFECO NATIONAL INSURANCE COMPANY
 02/27/2017 PCF248658
SAFEGUARD INSURANCE COMPANY
 11/22/1999 PCF574 12/31/2004
SENTINEL INSURANCE COMPANY LTD
 10/09/2008 PCF84269 03/02/2011
THE STANDARD FIRE INSURANCE COMPANY
 03/13/2008 PCF584 10/08/2010
THE STANDARD FIRE INSURANCE COMPANY
 02/11/2011 PCF584 03/01/2016
THE STANDARD FIRE INSURANCE COMPANY
 03/04/2022 PCF584
STATE MUTUAL INSURANCE COMPANY
 02/26/2008 PCD102 06/14/2011
STATE MUTUAL INSURANCE COMPANY
 03/18/2016 PCD102
TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY
 04/17/2003 LHF23 03/14/2005
TRANSCONTINENTAL INSURANCE COMPANY
 09/16/2004 PCF597 02/08/2005
TRANSPORTATION INSURANCE COMPANY
 09/16/2004 PCF601 02/08/2005
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 11/12/2008 PCF974 10/08/2010
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 10/28/2021 PCF974
TRAVELERS CASUALTY COMPANY OF CONNECTICUT
 03/13/2008 PCF31810 12/05/2009
TRAVELERS CASUALTY COMPANY OF CONNECTICUT
 02/11/2011 PCF31810 06/09/2015
TRAVELERS COMMERCIAL INSURANCE COMPANY
 05/14/2008 PCF31811 10/08/2010
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 03/13/2008 PCF56556 10/08/2010
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 02/11/2011 PCF56556 03/01/2016
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 03/13/2008 PCF585 10/08/2010
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 02/11/2011 PCF585 06/30/2014
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 10/28/2021 PCF585
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 05/14/2008 PCF435 10/08/2010
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 10/28/2021 PCF435
THE TRAVELERS INDEMNITY COMPANY
 03/13/2008 PCF602 10/08/2010
THE TRAVELERS INDEMNITY COMPANY
 02/11/2011 PCF602 03/01/2016
THE TRAVELERS INDEMNITY COMPANY
 10/28/2021 PCF602
TRAVELERS PERSONAL INSURANCE COMPANY
 08/04/2022 PCF201268
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 10/28/2021 PCF711
TRI STATE INSURANCE COMPANY OF MINNESOTA
 04/18/2019 PCF146321
TWIN CITY FIRE INSURANCE COMPANY
 10/09/2008 PCF963 01/08/2010
TWIN CITY FIRE INSURANCE COMPANY
 03/31/2016 PCF963 01/25/2018
UNION INSURANCE COMPANY
 06/15/2010 PCF141739 11/03/2010
UNION INSURANCE COMPANY
 04/18/2019 PCF141739
UNION MUTUAL FIRE INSURANCE COMPANY
 05/14/2019 PCF95
UNITED FINANCIAL CASUALTY COMPANY
 08/11/2006 PCF61704 02/12/2007
UNITED FINANCIAL CASUALTY COMPANY
 04/03/2008 PCF61704 09/27/2010
UNITED OHIO INSURANCE COMPANY
 01/01/2013 PCF192494 11/27/2024
UNITED OHIO INSURANCE COMPANY
 09/19/2025 PCF192494
UNITRIN SAFEGUARD INSURANCE COMPANY
 07/20/2017 PCF167010
UNIVERSAL UNDERWRITERS INSURANCE COMPANY
 01/20/1995 PCF892 09/16/2003
VALLEY FORGE INSURANCE COMPANY
 09/16/2004 PCF612 02/08/2005
VERLAN FIRE INSURANCE COMPANY
 10/21/2010 PCF161934 10/28/2015
VERMONT ACCIDENT INSURANCE COMPANY INC
 02/26/2008 PCF883 06/14/2011
VERMONT ACCIDENT INSURANCE COMPANY INC
 03/18/2016 PCF883
VERMONT MUTUAL INSURANCE COMPANY
 05/13/2008 PCF37 09/22/2010
VERMONT MUTUAL INSURANCE COMPANY
 09/23/2010 PCF37
VIGILANT INSURANCE COMPANY
 02/03/2011 PCF613
WEST COAST LIFE INSURANCE COMPANY
 01/21/2005 LHF47439 08/10/2009
YORK INSURANCE COMPANY OF MAINE
 03/04/2009 PCF498 12/01/2011

Authority
Description Issue Date Termination Date Status
CASUALTY 01/06/1990 Active
HEALTH 01/29/2001 Active
LIFE 01/29/2001 Active
PROPERTY 01/06/1990 Active

License/Disciplinary Action

None.

GENERAL INFORMATION

NAIC Information

National Producer Number (NPN):
3351454

Other Addresses
Address Type
PORTLAND, ME 04102
 Office

Other Phone Numbers
Phone Number Type
+1 (207) 221-8537 Office

CE Courses
Date Description Course Number Content Areas
10/29/2025 AGENCY RISK MANAGEMENT - ESSENTIALS OF SALES 29982
3
credits in General Education
Total:
3
08/12/2025 ANTI-MONEY LAUNDERING FOR THE INSURANCE INDUSTRY ME15279
4
credits in General Education
Total:
4
07/22/2025 ETHICS PERFORMANCE WITH INTEGRITY 29839
3
credits in Ethics
Total:
3
05/15/2025 PL ACADEMY 28846
6
credits in General Education
Total:
6
03/26/2025 PERSONAL FLOOD INSURANCE REVIEW 29297
3
credits in General Education
Total:
3
02/06/2025 2 DAY PERSONAL LINES ANALYSIS 26688
12
credits in General Education
Total:
12

An active license/permit may still be subject to limitations and restrictions as a result of disciplinary action imposed. Please contact the specific licensing board about specific disciplinary actions.

Date: 11/04/2025 10:31:22 AM