5349

PERSON NAME: JONES, PATRICIA A
PERSON SSN : 656-68-0374

FIRST NAME : JONES
LAST NAME : PATRICIA A
PERSON DOB : N/A
PERSON ADRESS: 711 FIRST AVE WEST, THREE FORKS, MT 59752
PERSON SCORE: 815
-------------------------------------------------------------------
APPLICANT:JONES, PATRICIA A CO-APP:
SSN :516-68-0374 CO-SSN:
ADDRESS :711 FIRST AVE WEST, THREE FORKS, MT 59752
B B CHASE CARD 06/10 $2500 PAID

588896******1701 REV 01/07 $0 41 0 0 0
02/07 $0 XP/EF
06/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CHASE MTG 360 07/18 $88500 PAID

4651045688489 MTG 01/12 $0 76 0 0 0
06/18 $0 XP/TU/EF
07/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; FARMER'S HOME
ADMINISTRATION (FMHA);
B B COMENITYBANK/DRESSBARN 09/13 $860 PAID

585637****** REV 11/02 $0 99 0 0 0
09/08 $0 XP/EF
09/13:
-CCCCCCCCCCCCCCCCCCCCCCC-----------------------------CCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
Page: 4/9
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APPLICANT:JONES, PATRICIA A
SSN :516-68-0374
-------------------------------------------------------------------
B B COMENITYBANK/HERBERGER 06/18 $1800 PAID
211730******8748 REV 07/97 $0 72 0 0 0
04/18 $0 XP/TU/EF
06/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
B B DISCOVER FIN SVCS LLC 01/17 $500 PAID

601100****** REV 01/95 $0 99 0 0 0
06/11 $0 XP/TU/EF
01/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J B FIRSTCOMBK 11/16 $500 PAID

100000******7103002 OPEN 12/10 $0 70 0 0 0
09/16 $0 XP/TU/EF
11/16:
REMARK: CLOSED;
B B FNB OMAHA 05/14 $20000 PAID

292763******745 REV 12/94 $0 99 0 0 0
04/12 $0 XP/TU/EF
05/14:
B B SYNCB/JCP 04/17 $1000 PAID

600889****** REV 05/02 $0 82 0 0 0
01/10 $0 XP/TU/EF
04/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---------------
REMARK: ACCOUNT CLOSED BY CONSUMER;
B B TARGET NB 10/11 $200 PAID

435237******6259 REV 06/08 $0 39 0 0 0
07/08 $0 XP/EF
09/09: -CCCCCCCCCCCCCC
J B WESTERN SECURITY BANK 300 02/09 $49000 PAID

11040357 MTG 03/84 $0 71 0 0 0
02/09 $0 XP/TU/EF
02/09:
-CCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
Page: 5/9
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SSN :516-68-0374
-------------------------------------------------------------------
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D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
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C O L L E C T I O N A C C O U N T S
-------------------------------------------------------------------
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O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
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P U B L I C R E C O R D S
-------------------------------------------------------------------
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMEX [XP/TU] 800-528-4800
TAPE - P O BOX 7871,FORT LAUDERDALE, FL 33329
- CAP1/HERBG [TU] 800-695-6950
PO BOX 30253,SALT LAKE CITY, UT 84130
- CBUSASEARS [XP/EF] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CHASE [EF] 800-548-7912
10790 RANCHO BERNARDO RD,SAN DIEGO CA 92127
- CHASE CARD [XP] 800-432-3117
PO BOX 15298,WILMINGTON, DE 19850
- CHASE HOME FINANCE [XP] 800-548-7912
PO BOX 509011 10790 RANCHO BERNARDO RD,SAN DIEGO, CA 92150
- CHASE MTG [TU] 800-548-7912
10790 RANCHO BERNA,SAN DIEGO CA 92127
- COMENITY BANK/CTPR&BKS [XP] BYMAILONLY
4590 E BROAD ST,COLUMBUS, OH 43213
- COMENITY BANK/HRBRGRS [XP] BYMAILONLY
3100 EASTON SQUARE PL,COLUMBUS, OH 43219
- COMENITYBANK/DRESSBARN [XP/TU] 888-427-7790
PO BOX 182789,COLUMBUS, OH 43218
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DISCOVER FINANCIAL SERVI [TU] 800-347-2683
POB 15316,WILMINGTON, DE 19850
Page: 6/9
-------------------------------------------------------------------
SSN :516-68-0374
-------------------------------------------------------------------
- DISCOVER FINANCIAL SVC [XP] 800-347-2683
PO BOX 15316,WILMINGTON, DE 19850
- DISCOVR CD [EF] 800-347-5342
PO BOX15316,WILMINGTON DE 19850
- DRESS BARN [EF] 888-427-7790
PO BOX 182273,COLUMBUS OH 43218
- FIRST COMMUNITY BANK [XP/EF] 406-228-8231
540 2ND AVE,GLASGOW, MT 59230
- FIRST NATIONAL BANK [EF] 888-530-3626
1620 DODGE STREET MAIL #3099 STOP LINDA RAY,OMAHA, NE 68197
- FLAGSTAR BANK [XP] 800-968-7700
5151 CORPORATE DR,TROY MI 48098
- FLAGSTAR BK [TU] 800-968-7700
5151 CORPORATE DRI,TROY MI 48098
- FLAGSTARBK [EF] 800-968-7700
5151 CORPORATE DRIVE,TROY, MI 48098
- FNB OMAHA [XP/TU] 888-530-3626
2223 DODGE ST,OMAHA, NE 68197
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- KOHLS/CAPONE [MANUAL] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- RETAILERS NATIONAL B [EF] 888-755-5856
MAIL STOP 2BD P O BOX 9475,MINNEAPOLIS, MN 55440
- RNB TARGET [XP] 888-755-5856
PO BOX 9475,MINNEAPOLIS MN 55440
- SUNNILAND CORPORATION [XP] (407) 898-68
PO BOX 8001,SANFORD FL 327728001
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- TOYOTA MOTOR CREDIT [XP] 503-598-3700
PO BOX 9786,CEDAR RAPIDS, IA 52409
- TOYOTA MTR [TU/EF] 800-874-8822
19001 S WESTERN AV,TORRANCE, CA 90501
- WELLS FARGO BANK [XP/TU] 800-642-4720
PO BOX 5445,PORTLAND OR 97228
- WESTERN SECU [TU]
P.O. BOX 5568,MISSOULA MT 59806
- WFB CD SVC [EF] p#800-642-47
P.O. BOX 3696,PORTLAND, OR 97208
- WFNNB/CHAD [EF] 800-888-9265
REPORTING,COLUMBUS OH 43218
- WFNNB/GORDMAN'S -TAP [EF] 866-522-8014
PO BOX 2984,SHAWNEE MISSION, KS 66201
Page: 7/9
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SSN :516-68-0374
-------------------------------------------------------------------
- WSTRN SEC [EF] 406-721-3700
2601 GARFIELD,MISSOULA, MT 59802
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 73455 88500 581 0
AUTO 1 10867 22218 379 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 1 0 0 0 0
REVOLVING 19 1060 35800 131 0
OTHER 0 0 0 0 0
TOTAL 24 85382 146518 1091 0
SECURED DEBT 84322 HIGH CREDIT 146518

UNSECURED DEBT 1060 REV CREDIT UTILIZATION 3%
OLDEST TRADE 03/84 TOTAL DEBT/HIGH CREDIT 58%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 0
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
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M I S C E L L A N E O U S I N F O R M A T I O N
-------------------------------------------------------------------
Instant View Password: AV-48214968
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 46208682 and password AV-48214968 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
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D I S C L A I M E R
-------------------------------------------------------------------
An asterisk (*) following the payment amount indicates the

repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.
This is a report containing information supplied by the

repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.
Page: 8/9
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SSN :516-68-0374
-------------------------------------------------------------------
TRANS UNION EQUIFAX EXPERIAN
PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
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T R E N D S U M M A R Y
-------------------------------------------------------------------
*** END OF REPORT 1/9/2019 9:54:36 AM ***

Page: 9/9
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NEST HOME LENDING LLC REPORT #: 46208682

916 S MAIN ST UNIT 208 REFERENCE #: 7270000706
LONGMONT, CO 80501
8774264184
RETURN SERVICE REQUESTED
PATRICIA A JONES
711 FIRST AVE WEST
THREE FORKS, MT 59752
=================================================================
YOUR CREDIT SCORE - 821
Source: EXPERIAN Date: 12/10/18
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.
Your credit report is a record of your credit history. It

includes information about whether you pay your bills on time and
how much you owe to creditors.
Your credit score can change, depending on how your credit

history changes.
-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.
-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 320 to a high of 844.
Generally, the higher your score, the more likely you are to be
offered better credit terms.
-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 92 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 1/9
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the

information it contains is accurate.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.
To order your free annual credit report:
* BY TELEPHONE: Call toll-free: 1-877-322-8228
* ON THE WEB: Visit www.annualcreditreport.com
* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281
-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 2/9
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.
The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.
Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.
If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.
If you have questions concerning the terms of the loan, contact

the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/9

LONGMONT, CO 80501
8774264184
PATRICIA A JONES
711 FIRST AVE WEST
=================================================================
Source: TRANS UNION Date: 12/10/18
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
Page: 4/9
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
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Page: 5/9





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9

LONGMONT, CO 80501
8774264184
PATRICIA A JONES
711 FIRST AVE WEST
=================================================================
Source: EQUIFAX Date: 12/10/18
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
=================================================================
Page: 7/9
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 8/9





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
NEST HOME LENDING LLC
916 S MAIN ST UNIT 208
LONGMONT, CO 80501
8774264184

CREDIT SCORE INFORMATION DISCLOSURE
JONES, PATRICIA A
711 FIRST AVE WEST

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
data about your credit history and payment patterns. Credit scores
are important because they are used to assist the lender in
determining whether you will obtain a loan. They may also be used
to determine what interest rate you may be offered on the mortgage.
Credit scores can change over time, depending on your conduct, how
your credit history and payment patterns change, and how credit
scoring technologies change.

it is very important that you review the credit-related information
that is being furnished to make sure it is accurate. Credit records
may vary from one company to another.

reporting agency at the address and telephone number provided with
this notice, or contact the lender, if the lender developed or
generated the credit score. The consumer reporting agency plays no
part in the decision to take any action on the loan application and
is unable to provide you with specific reasons for the decision on
a loan application.
If you have questions regarding the terms of the loan, contact the
lender.
Your credit scores were provided by the following credit reporting

agencies:
TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
The following information about your credit scores was created on
Page: 1/2
12/10/2018.
Applicant : JONES, PATRICIA A

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 808 Range: 334-818
Key Factors affecting the score:
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
Borrower Signature _________________________________________ Date

__________
Page: 2/2

5349

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PERSON NAME: JONES, PATRICIA A

PERSON SSN : 656-68-0374

B B CHASE CARD 06/10 $2500 PAID

B B CHASE MTG 360 07/18 $88500 PAID

B B COMENITYBANK/DRESSBARN 09/13 $860 PAID

B B DISCOVER FIN SVCS LLC 01/17 $500 PAID

J B FIRSTCOMBK 11/16 $500 PAID

B B FNB OMAHA 05/14 $20000 PAID

B B SYNCB/JCP 04/17 $1000 PAID

B B TARGET NB 10/11 $200 PAID

J B WESTERN SECURITY BANK 300 02/09 $49000 PAID

SECURED DEBT 84322 HIGH CREDIT 146518

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

*** END OF REPORT 1/9/2019 9:54:36 AM ***

NEST HOME LENDING LLC REPORT #: 46208682

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

Because the score is based on information in your credit history,

If you have questions about your credit score or the credit

If you have questions concerning the terms of the loan, contact

NEST HOME LENDING LLC REPORT #: 46208682

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

Because the score is based on information in your credit history,

If you have questions about your credit score or the credit

If you have questions concerning the terms of the loan, contact

NEST HOME LENDING LLC REPORT #: 46208682

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

Because the score is based on information in your credit history,

If you have questions about your credit score or the credit

If you have questions concerning the terms of the loan, contact

NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at the

Because the score is based on information in your credit history,

* END OF REPORT 1/9/2019 9:54:36 AM *