black and white state seal

DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF INSURANCE

HOLLY B. CARTER

PRODUCER RESIDENT

License Number:
PRR101034
Status:
Active
First Licensure:
01/20/2004
Cancel Date:
None
Renewal Date:
12/31/2025

Continuing Education:
Required by 12/31/2025
Hours Required:
Ethics:
3
Total Required:
24
Hours Acquired:
Ethics:
0
Total Acquired:
16

Mailing:
BANGOR, ME 04401
Phone:
+1 (207) 385-2077
Email:
hollycarter@unitedinsurance.net

History
License Type Start Date End Date
PRODUCER RESIDENT 01/20/2004 12/31/2025

Agency
Name Issue Date License Number Expiration Date Cancel Date
CROSS INSURANCE, INC. - MAINE
 05/31/2019 AGR19087 05/02/2024
UIG INC
 03/21/2024 AGR123009
VARNEY AGENCY INC
 05/09/2014 AGR12271 05/03/2019

Employer
Name Issue Date License Number Expiration Date Cancel Date
21ST CENTURY PREMIER INSURANCE COMPANY
 02/03/2009 PCF321 01/06/2011
ACADIA INSURANCE COMPANY
 07/20/2023 PCF35064 03/29/2024
ACE AMERICAN INSURANCE COMPANY
 06/04/2019 PCF640
ACUITY A MUTUAL INSURANCE COMPANY
 06/20/2017 PCF155357 05/03/2019
ACUITY A MUTUAL INSURANCE COMPANY
 06/04/2019 PCF155357 03/15/2024
ACUITY A MUTUAL INSURANCE COMPANY
 05/30/2024 PCF155357
AIG PROPERTY CASUALTY COMPANY
 06/04/2019 PCF393 03/14/2024
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/15/2008 PCF75617 10/28/2015
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 06/06/2019 PCF75617 03/14/2024
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/06/2024 PCF75617
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/15/2008 PCF145893 03/14/2024
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/06/2024 PCF145893
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
 07/08/2010 PCF864 02/07/2020
ALLSTATE INDEMNITY COMPANY
 07/08/2010 PCF522 02/07/2020
ALLSTATE INSURANCE COMPANY
 07/08/2010 PCF354 02/07/2020
ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY
 07/08/2010 PCF84066 02/07/2020
AMERICAN ECONOMY INSURANCE COMPANY
 05/16/2014 PCF363 05/14/2019
AMERICAN FIRE AND CASUALTY COMPANY
 05/16/2014 PCF200822 05/14/2019
AMERICAN MODERN HOME INSURANCE COMPANY
 05/16/2014 PCF808 12/13/2023
AMERICAN MODERN PROPERTY & CASUALTY INSURANCE COMPANY
 11/17/2017 PCF234561 05/06/2019
AMERICAN MODERN PROPERTY & CASUALTY INSURANCE COMPANY
 07/03/2019 PCF234561 03/15/2024
AMERICAN MODERN SELECT INSURANCE COMPANY
 05/16/2014 PCF123448 05/06/2019
AMERICAN RELIABLE INSURANCE COMPANY
 12/08/2010 PCF45416 10/25/2021
AMERICAN STATES INSURANCE COMPANY
 05/16/2014 PCF377 05/14/2019
ANSUR AMERICA INSURANCE COMPANY
 02/22/2024 PCF95773 03/14/2024
ATHOME INSURANCE COMPANY
 12/14/2005 PCF503 01/06/2011
ATLANTIC SPECIALTY INSURANCE COMPANY
 10/19/2011 PCF104029 04/23/2014
THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
 01/21/2013 PCF659 02/09/2015
THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
 03/10/2015 PCF659
BANKERS STANDARD INSURANCE COMPANY
 06/04/2019 PCF152165
BEDIVERE INSURANCE COMPANY
 03/09/2009 PCF91 11/13/2010
BERKLEY NATIONAL INSURANCE COMPANY
 06/08/2020 PCF144434 03/18/2024
BERKLEY REGIONAL INSURANCE COMPANY
 06/08/2020 PCF48727 03/18/2024
BRISTOL WEST INSURANCE COMPANY
 07/01/2010 PCF78370 05/07/2019
BRISTOL WEST INSURANCE COMPANY
 06/04/2019 PCF78370 03/26/2024
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 06/04/2019 PCF396 03/13/2024
CASCO INDEMNITY COMPANY
 06/03/2019 PCF921 03/13/2024
CASCO INDEMNITY COMPANY
 04/03/2024 PCF921
THE CHARTER OAK FIRE INSURANCE COMPANY
 03/10/2015 PCF403
CHUBB INDEMNITY INSURANCE COMPANY
 06/04/2019 PCF591
CHUBB NATIONAL INSURANCE COMPANY
 06/04/2019 PCF80404
CITIZENS INSURANCE COMPANY OF AMERICA
 08/23/2004 PCF937 03/14/2024
CITIZENS INSURANCE COMPANY OF AMERICA
 05/06/2024 PCF937
COMMERCE AND INDUSTRY INSURANCE COMPANY
 06/04/2019 PCF413 03/14/2024
COMMERCE INSURANCE COMPANY (THE)
 09/07/2015 PCF53427 12/12/2019
COMMERCE INSURANCE COMPANY (THE)
 04/02/2024 PCF53427
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 11/07/2011 PCF416 05/06/2019
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 05/20/2019 PCF416 03/13/2024
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 04/30/2024 PCF416
CONTINENTAL WESTERN INSURANCE COMPANY
 07/20/2023 PCF673 03/29/2024
COUNTRYWAY INSURANCE COMPANY
 05/15/2014 PCF98 05/03/2019
COUNTRYWAY INSURANCE COMPANY
 05/23/2019 PCF98 03/13/2024
DAIRYLAND INSURANCE COMPANY
 05/15/2014 PCF721 05/03/2019
DAIRYLAND INSURANCE COMPANY
 06/05/2019 PCF721 03/14/2024
EMPLOYERS FIRE INSURANCE COMPANY
 10/11/2007 PCF41 04/18/2014
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 02/27/2017 PCF434 05/14/2019
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 07/30/2021 PCF434 03/18/2024
ENCOMPASS INSURANCE COMPANY OF AMERICA
 07/10/2019 PCF90705
EXCELSIOR INSURANCE COMPANY
 08/23/2010 PCF46786 05/14/2019
EXECUTIVE RISK INDEMNITY INC.
 06/04/2019 PCF42522
FARMERS CASUALTY INSURANCE COMPANY
 05/08/2014 PCF895 04/30/2020
FARMERS CASUALTY INSURANCE COMPANY
 08/04/2020 PCF895 03/26/2024
FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY
 05/08/2014 PCF714 04/30/2020
FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY
 08/04/2020 PCF714 03/26/2024
FARMINGTON CASUALTY COMPANY
 03/10/2015 PCF995
FEDERAL INSURANCE COMPANY
 06/04/2019 PCF439
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 07/20/2023 PCF35141 03/29/2024
FIRST LIBERTY INSURANCE CORPORATION
 11/20/2018 PCF31779 05/14/2019
FIRST LIBERTY INSURANCE CORPORATION
 07/30/2021 PCF31779 03/18/2024
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 07/01/2010 PCF445 05/07/2019
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 06/04/2019 PCF445 03/26/2024
FRANKENMUTH INSURANCE COMPANY
 12/15/2008 PCF83684 05/01/2014
FRANKENMUTH INSURANCE COMPANY
 04/17/2018 PCF83684 05/06/2019
FRANKENMUTH INSURANCE COMPANY
 06/06/2019 PCF83684 03/14/2024
GENERAL INSURANCE COMPANY OF AMERICA
 05/16/2014 PCF447 05/14/2019
GREAT NORTHERN INSURANCE COMPANY
 06/04/2019 PCF455
GREEN MOUNTAIN INSURANCE COMPANY INC
 11/07/2011 PCF73 05/06/2019
GREEN MOUNTAIN INSURANCE COMPANY INC
 05/20/2019 PCF73 03/13/2024
GREEN MOUNTAIN INSURANCE COMPANY INC
 04/30/2024 PCF73
THE HANOVER AMERICAN INSURANCE COMPANY
 05/21/2014 PCF197298 03/14/2024
THE HANOVER AMERICAN INSURANCE COMPANY
 05/06/2024 PCF197298
THE HANOVER INSURANCE COMPANY
 08/23/2004 PCF712 03/14/2024
THE HANOVER INSURANCE COMPANY
 05/06/2024 PCF712
HARLEYSVILLE INSURANCE COMPANY
 06/10/2019 PCF129870 09/25/2023
HARLEYSVILLE PREFERRED INSURANCE COMPANY
 06/10/2019 PCF128998 02/04/2025
HARLEYSVILLE WORCESTER INSURANCE COMPANY
 06/10/2019 PCF908 02/04/2025
HARTFORD ACCIDENT & INDEMNITY COMPANY
 02/13/2012 PCF462 06/04/2013
HARTFORD FIRE INSURANCE COMPANY
 03/25/2009 PCF464 03/02/2011
HARTFORD FIRE INSURANCE COMPANY
 08/01/2021 PCF464 05/02/2023
HARTFORD FIRE INSURANCE COMPANY
 10/23/2023 PCF464 04/30/2025
HARTFORD UNDERWRITERS INSURANCE COMPANY
 10/25/2022 PCF992 04/30/2025
INDEMNITY INSURANCE COMPANY OF NORTH AMERICA
 06/04/2019 PCF50104
INTEGON NATIONAL INSURANCE COMPANY
 10/24/2015 PCF310 03/14/2024
KEMPER INDEPENDENCE INSURANCE COMPANY
 11/28/2006 PCF94586 06/05/2013
KEMPER INDEPENDENCE INSURANCE COMPANY
 05/16/2014 PCF94586 05/06/2019
KEMPER INDEPENDENCE INSURANCE COMPANY
 06/14/2019 PCF94586 02/12/2021
LAMORAK INSURANCE COMPANY
 10/11/2007 PCF671 04/16/2013
LIBERTY INSURANCE CORPORATION
 11/20/2018 PCF999 05/14/2019
LIBERTY INSURANCE CORPORATION
 07/30/2021 PCF999 03/18/2024
LIBERTY MUTUAL FIRE INSURANCE COMPANY
 11/20/2018 PCF330 05/14/2019
LIBERTY MUTUAL FIRE INSURANCE COMPANY
 07/30/2021 PCF330 03/18/2024
LM INSURANCE CORPORATION
 11/20/2018 PCF31778 05/14/2019
LM INSURANCE CORPORATION
 07/30/2021 PCF31778 03/18/2024
MAIN STREET AMERICA ASSURANCE COMPANY
 04/17/2013 PCF997 01/28/2014
MAIN STREET AMERICA ASSURANCE COMPANY
 06/04/2019 PCF997 03/13/2024
MAIN STREET AMERICA ASSURANCE COMPANY
 01/24/2025 PCF997
MAIN STREET AMERICA PROTECTION INSURANCE COMPANY
 06/04/2019 PCF235440 03/13/2024
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 02/06/2007 PCD35999 03/13/2024
MASSACHUSETTS BAY INSURANCE COMPANY
 08/23/2004 PCF505 03/14/2024
MASSACHUSETTS BAY INSURANCE COMPANY
 05/06/2024 PCF505
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 06/04/2019 PCF79 03/13/2024
METROPOLITAN GENERAL INSURANCE COMPANY
 05/08/2014 PCF893 04/30/2020
MIDVALE INDEMNITY COMPANY
 09/15/2020 PCF79410 03/13/2024
MIDVALE INDEMNITY COMPANY
 01/24/2025 PCF79410
MMG INSURANCE COMPANY
 12/21/2012 PCD5 10/01/2013
MMG INSURANCE COMPANY
 10/01/2013 PCD5 03/19/2024
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA
 09/19/2022 PCF527 03/14/2024
NATIONWIDE ASSURANCE COMPANY
 12/30/2019 PCF38952 09/25/2023
NATIONWIDE GENERAL INSURANCE COMPANY
 06/10/2019 PCF30 09/25/2023
NATIONWIDE INSURANCE COMPANY OF AMERICA
 12/30/2019 PCF422 09/25/2023
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
 06/10/2019 PCF31 01/01/2023
NATIONWIDE MUTUAL INSURANCE COMPANY
 06/10/2019 PCF32 02/04/2025
NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY
 12/30/2019 PCF151089 09/25/2023
NETHERLANDS INSURANCE COMPANY
 08/23/2010 PCF827 05/14/2019
NETHERLANDS INSURANCE COMPANY
 06/19/2019 PCF827 03/18/2024
NEW ENGLAND GUARANTY INSURANCE COMPANY INC
 03/30/2004 PCF87 08/30/2011
NGM INSURANCE COMPANY
 04/17/2013 PCF86 01/28/2014
NGM INSURANCE COMPANY
 06/04/2019 PCF86 03/13/2024
NGM INSURANCE COMPANY
 01/24/2025 PCF86
NORTHERN ASSURANCE COMPANY OF AMERICA
 03/09/2009 PCF1020 08/01/2013
NORTHERN SECURITY INSURANCE COMPANY INC
 05/17/2006 PCF36 05/24/2019
NORTHERN SECURITY INSURANCE COMPANY INC
 07/17/2019 PCF36 04/02/2024
NORTHERN SECURITY INSURANCE COMPANY INC
 06/04/2024 PCF36
NUTMEG INSURANCE COMPANY
 01/17/2024 PCF190946 04/30/2025
OHIO CASUALTY INSURANCE COMPANY
 05/16/2014 PCF73059 05/14/2019
OHIO CASUALTY INSURANCE COMPANY
 05/15/2020 PCF73059 03/18/2024
OHIO CASUALTY INSURANCE COMPANY
 04/23/2025 PCF73059
OHIO SECURITY INSURANCE COMPANY
 05/16/2014 PCF200581 05/14/2019
OHIO SECURITY INSURANCE COMPANY
 09/14/2020 PCF200581 03/18/2024
OHIO SECURITY INSURANCE COMPANY
 01/09/2025 PCF200581
PACIFIC EMPLOYERS INSURANCE COMPANY
 06/04/2019 PCF546
PACIFIC INDEMNITY COMPANY
 06/04/2019 PCF547
PATRIOT INSURANCE COMPANY
 09/20/2007 PCD208274 05/01/2014
PATRIOT INSURANCE COMPANY
 04/17/2018 PCD208274 05/06/2019
PATRIOT INSURANCE COMPANY
 06/06/2019 PCD208274 03/14/2024
PATRONS OXFORD INSURANCE COMPANY
 02/01/2014 PCD7
PEERLESS INDEMNITY INSURANCE COMPANY
 08/23/2010 PCF97399 05/14/2019
PEERLESS INSURANCE COMPANY
 08/23/2010 PCF548 05/14/2019
PEERLESS INSURANCE COMPANY
 06/19/2019 PCF548 03/18/2024
PHENIX MUTUAL FIRE INSURANCE COMPANY
 06/12/2014 PCF554 05/28/2019
THE PHOENIX INSURANCE COMPANY
 01/21/2013 PCF557 02/09/2015
THE PHOENIX INSURANCE COMPANY
 03/10/2015 PCF557
PROGRESSIVE NORTHERN INSURANCE COMPANY
 07/12/2004 PCF51006 07/23/2009
PROGRESSIVE NORTHERN INSURANCE COMPANY
 04/19/2010 PCF51006 06/17/2019
PROGRESSIVE NORTHERN INSURANCE COMPANY
 07/09/2019 PCF51006 03/18/2024
PROGRESSIVE NORTHERN INSURANCE COMPANY
 01/28/2025 PCF51006
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 07/12/2004 PCF27738 06/17/2019
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 07/09/2019 PCF27738 03/18/2024
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 01/28/2025 PCF27738
PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD
 08/17/2011 PCF47445 06/04/2013
PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD
 10/19/2023 PCF47445 04/30/2025
PROVIDENCE MUTUAL FIRE INSURANCE COMPANY
 06/04/2019 PCF562 03/13/2024
SAFECO NATIONAL INSURANCE COMPANY
 02/27/2017 PCF248658 05/14/2019
SAFECO NATIONAL INSURANCE COMPANY
 06/19/2019 PCF248658 03/18/2024
SELECTIVE INSURANCE COMPANY OF AMERICA
 04/04/2024 PCF456095
SELECTIVE INSURANCE COMPANY OF SOUTH CAROLINA
 04/04/2024 PCF456097
SELECTIVE INSURANCE COMPANY OF THE SOUTHEAST
 04/04/2024 PCF456098
SELECTIVE WAY INSURANCE COMPANY
 04/04/2024 PCF456096
SENTINEL INSURANCE COMPANY LTD
 09/05/2008 PCF84269 06/04/2013
SENTINEL INSURANCE COMPANY LTD
 10/03/2023 PCF84269 04/30/2025
ST. PAUL FIRE AND MARINE INSURANCE COMPANY
 03/10/2015 PCF575 03/18/2024
THE STANDARD FIRE INSURANCE COMPANY
 01/21/2013 PCF584 02/09/2015
THE STANDARD FIRE INSURANCE COMPANY
 03/10/2015 PCF584
STARNET INSURANCE COMPANY
 06/08/2020 PCF103936 03/18/2024
STATE MUTUAL INSURANCE COMPANY
 11/07/2011 PCD102 05/06/2019
STATE MUTUAL INSURANCE COMPANY
 05/20/2019 PCD102 03/13/2024
STATE MUTUAL INSURANCE COMPANY
 04/30/2024 PCD102
TRAVELERS CASUALTY AND SURETY COMPANY
 03/10/2015 PCF348
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 05/01/2014 PCF974 02/09/2015
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 03/10/2015 PCF974
TRAVELERS CASUALTY COMPANY OF CONNECTICUT
 01/21/2013 PCF31810 07/02/2014
TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
 03/10/2015 PCF935
TRAVELERS COMMERCIAL CASUALTY COMPANY
 03/10/2015 PCF83507
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 01/21/2013 PCF56556 02/09/2015
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 03/10/2015 PCF56556
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 01/21/2013 PCF585 02/09/2015
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 03/10/2015 PCF585
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 03/10/2015 PCF435
THE TRAVELERS INDEMNITY COMPANY
 01/21/2013 PCF602 02/09/2015
THE TRAVELERS INDEMNITY COMPANY
 03/10/2015 PCF602
TRAVELERS PERSONAL INSURANCE COMPANY
 01/25/2019 PCF201268
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 03/10/2015 PCF711
TRI STATE INSURANCE COMPANY OF MINNESOTA
 07/20/2023 PCF146321 03/29/2024
TWIN CITY FIRE INSURANCE COMPANY
 02/16/2011 PCF963 06/04/2013
TWIN CITY FIRE INSURANCE COMPANY
 06/06/2013 PCF963 05/02/2014
UNION INSURANCE COMPANY
 07/20/2023 PCF141739 03/29/2024
UNION MUTUAL FIRE INSURANCE COMPANY
 03/30/2004 PCF95 08/30/2011
UNION MUTUAL FIRE INSURANCE COMPANY
 10/28/2022 PCF95
UNITED FINANCIAL CASUALTY COMPANY
 08/11/2006 PCF61704 03/31/2012
UNITED OHIO INSURANCE COMPANY
 06/03/2019 PCF192494 03/13/2024
UNITED OHIO INSURANCE COMPANY
 04/03/2024 PCF192494
UNITRIN SAFEGUARD INSURANCE COMPANY
 07/20/2017 PCF167010 05/06/2019
UNITRIN SAFEGUARD INSURANCE COMPANY
 06/14/2019 PCF167010 02/12/2021
VERLAN FIRE INSURANCE COMPANY
 05/06/2024 PCF161934
VERMONT ACCIDENT INSURANCE COMPANY INC
 11/07/2011 PCF883 05/06/2019
VERMONT ACCIDENT INSURANCE COMPANY INC
 05/20/2019 PCF883 03/13/2024
VERMONT ACCIDENT INSURANCE COMPANY INC
 04/30/2024 PCF883
VERMONT MUTUAL INSURANCE COMPANY
 05/17/2006 PCF37 05/24/2019
VERMONT MUTUAL INSURANCE COMPANY
 07/17/2019 PCF37 04/02/2024
VERMONT MUTUAL INSURANCE COMPANY
 06/04/2024 PCF37
VIGILANT INSURANCE COMPANY
 06/04/2019 PCF613
WEST AMERICAN INSURANCE COMPANY
 05/16/2014 PCF200576 05/14/2019
YORK INSURANCE COMPANY OF MAINE
 10/11/2007 PCF498 07/21/2016

Authority
Description Issue Date Termination Date Status
CASUALTY 01/20/2004 Active
PROPERTY 01/20/2004 Active

License/Disciplinary Action

None.

GENERAL INFORMATION

NAIC Information

National Producer Number (NPN):
7977916

Other Addresses
Address Type
BANGOR, ME 04401
 Office

Other Phone Numbers
Phone Number Type
+1 (207) 385-2077 Office

CE Courses
Date Description Course Number Content Areas
10/21/2025 CGL ENDORSEMENTS THAT WILL BREAK YOUR POLICY 29547
2
credits in General Education
Total:
2
09/30/2025 AGENCY RISK MANAGEMENT - ESSENTIALS OF SERVICE 29983
3
credits in General Education
Total:
3
01/29/2025 KEY FUNDAMENTALS OF FLOOD INSURANCE FOR AGENTS 2.0 (PART 2) 27630
2
credits in General Education
Total:
2
01/28/2025 KEY FUNDAMENTALS OF FLOOD INSURANCE FOR AGENTS 2.0 (PART 1) 27629
2
credits in General Education
Total:
2
02/20/2024 CYBER LIABILITY - REVISED 28431
1
credits in General Education
Total:
1
01/30/2024 MLIS - CYBER & PRIVACY EXPOSURES & INSURANCE COVERAGE 27852
6
credits in General Education
Total:
6

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: 10/31/2025 04:08:29 AM