You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired.Visit HappyBank.com. Happy State Bank - S. Central Expressway at Watters Creek Blvd. Address. Happy State Bank. 700 Central Expy S. Ste 120. Allen, TX 75013. US (972) 727-2265 (972) 727-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 5:00 PM: Tuesday: 9:00 AM - 5:00 PM: Wednesday: 9:00 AM - 5:00 PM: Thursday: …Live the Happy life. Make sure you're set up to make the most out of every moment. When it comes to your financial lifestyle, we're here to help. See Our Locations. Happy designed to help you reach your personal financial goals. You worked hard for your money. Managing it should be easy.Welcome to the brighter side of banking. Where every transaction and interaction is built on over 100 years of community-focused, know-you-by-name service. Learn More. GET DIRECTIONS. (806) 286-2265.Your wireless carrier’s data rates may apply. NMLS# 466091. At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best.Click hereto view CA Workplace Posters provided by the State of CA. If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732or by email at [email protected] 877-591-4663 and listen to greeting. Select 1 for account information or 0 to speak to a Happy State customer service rep. Enter account number and secret pin. Follow prompt to select what information you would like to hear. The Telephone Banking flowchart (below) shows the paths and the options available.Click hereto view CA Workplace Posters provided by the State of CA. If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732or by email at [email protected], TX – In a joint statement, J. Pat Hickman, chairman of Happy State Bank, and Frederick B. Hegi, Jr., chairman of First National Bank of Tahoka, announced that Happy State Bank is acquiring, through a merger, First National Bank of Tahoka. The bank holds approximately $56 million in total assets and has one location in …Customers interested in enrolling for Online Banking can do so online. Click here to begin Online Banking enrollment. If you wish to enroll but not use the online service please visit …Welcome to the brighter side of banking. Where every transaction and interaction is built on over 100 years of community-focused, know-you-by-name service.Your wireless carrier’s data rates may apply. NMLS# 466091. At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best. Fast forward to 1990 when local banker, J. Pat Hickman, heard two pieces of incredible news. One, Mr. Carl Small was interested in selling his small town bank in Happy, Texas. And, two, recent legislation now allowed branch banking in the state. With a personal net worth of $8,000, Pat found 10 local families willing to invest at least $100k ... The Happy State Bank, a division of Centennial Bank mobile app provides you the convenience to bank when you want and where you want through secure account access within your mobile device. With Happy State mobile app you can: -Open a new account right from your app*. -Check balances. -Deposit checks**. -Transfer funds between eligible … Fast forward to 1990 when local banker, J. Pat Hickman, heard two pieces of incredible news. One, Mr. Carl Small was interested in selling his small town bank in Happy, Texas. And, two, recent legislation now allowed branch banking in the state. With a personal net worth of $8,000, Pat found 10 local families willing to invest at least $100k ... Visit HappyBank.com. Happy State Bank - 4th Ave. at 20th St. Address. Happy State Bank. 1908 4th Ave. Canyon, TX 79015. US (806) 851-2265 (806) 851-2265 Get ... Remember to be Thankful. Be thankful for everything you have; it might not be as much as you want, but it’s what you have right now, and it’s worth celebrating. Be thankful to roof over your head, the job that provides you with an income, the car that helps you get around, the food in your fridge, etc.Visit HappyBank.com. Happy State Bank - Coulter St. at Continental Pkwy. Address. Happy State Bank. 5100 S Coulter St. Amarillo, TX 79119. US (806) 324-2265 (806) 324-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 4:00 PM: Tuesday: 9:00 AM - 4:00 PM: Wednesday: 9:00 AM - 4:00 PM: Thursday: 9:00 AM - 4:00 PM: Friday: Call Customer Care (800-447-2265) or find this information in your Online banking account or download our mobile app for access on the go! Take Happy with you. After setting up your account, download the Happy State Bank app and take your personal account to the next level. Grab a laptop, tablet or phone because now you can easily manage your money on Happy's online banking from any device that works for you. Visit HappyBank.com. Happy State Bank -1145 Junction Hwy. Address. Happy State Bank. 1145 Junction Hwy. Kerrville, TX 78028. US (830) 353-6750 (830) 353-6750 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 4:00 PM: Tuesday: 9:00 AM - 4:00 PM: Wednesday: 9:00 AM - 4:00 PM: Thursday: 9:00 AM - 4:00 PM: …Visit HappyBank.com. Happy State Bank - Central Dr. at Texas Harley Way. Address. Happy State Bank. 1901 Central Dr. Ste 200. Bedford, TX 76021. US (817) 232-2265 (817) 232-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 5:00 PM: Tuesday: 9:00 AM - 5:00 PM: Wednesday: 9:00 AM - 5:00 PM: Thursday: 9:00 AM - …Visit HappyBank.com. Happy State Bank - S. Dumas Ave. at 8th St. Address. Happy State Bank. 800 S Dumas Ave. Dumas, TX 79029. US (806) 934-2265 (806) 934-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 4:00 PM: Tuesday: 9:00 AM - 4:00 PM: Wednesday: 9:00 AM - 4:00 PM: Thursday: 9:00 AM - 4:00 PM: …Financial Strength is PARAMOUNT. Having a strong financial partner in an uncertain economy is paramount to success. Centennial Bank's patience, perseverance, commitment and resilience have created a fortress balance sheet.Pampa office is located at 1125 North Hobart Street, Pampa. You can also contact the bank by calling the branch phone number at 806-669-2265. Happy State Bank Pampa branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.happybank ... While logged in to your account, select the BillPay tab to get started. Next, follow the directions to enroll and setup your payees. Additional options are available to help seamlessly manage your finances: Schedule your payments in advance using AutoPay. Use eBill to view bills from your payees right from online banking. Financial Strength is PARAMOUNT. Having a strong financial partner in an uncertain economy is paramount to success. Centennial Bank's patience, perseverance, commitment and resilience have created a fortress balance sheet.Your wireless carrier’s data rates may apply. NMLS# 466091. At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best.You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Visit HappyBank.com. Happy State Bank - N. Hobart St. at Somerville St. Address. Happy State Bank. 1125 N Hobart St. Pampa, TX 79065. US (806) 669-2265 (806) 669-2265 ... Here to serve our neighbors. We're embedded in the Texas community. From Pampa to Plainview, stop by and see what makes us Happy. Despite the challenges of 2020, Happy donated over $1.3 million to nearby community. Our employees volunteered over 4,000 hours to local organizations. Visit HappyBank.com. Happy State Bank - W. Wilson St. at Roosevelt St. Address. Happy State Bank. 1431 W Wilson St. Borger, TX 79007. US (806) 274-2265 (806) 274-2265 ... Visit HappyBank.com. Happy State Bank - N. Main St. at Washington St. Address. Happy State Bank. 201 N Main St. Lockney, TX 79241. US (806) 652-2265 (806) 652-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 3:00 PM: Tuesday: 9:00 AM - 3:00 PM: Wednesday: 9:00 AM - 3:00 PM: Thursday: 9:00 AM - 3:00 PM: …Happy State Bank, a division of Centennial Bank, online Certificate of Deposit accounts can be opened by: Opening deposit is between $500 and $50,000.00. Available funding methods include: Check, Wire, Internal Transfer from Happy State Bank account.Visit HappyBank.com. Happy State Bank - Coulter St. at Continental Pkwy. Address. Happy State Bank. 5100 S Coulter St. Amarillo, TX 79119. US (806) 324-2265 (806) 324-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 4:00 PM: Tuesday: 9:00 AM - 4:00 PM: Wednesday: 9:00 AM - 4:00 PM: Thursday: 9:00 AM - 4:00 PM: Friday:Borger office is located at 1431 West Wilson Street, Borger. You can also contact the bank by calling the branch phone number at 806-274-2265. Happy State Bank Borger branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www ...Stop by any one of our more than 50 branch locations across Texas, and one of our representatives will be happy to walk you through our many Wealth Management services. Our experienced team of Wealth Advisors is ready to help you create a personalized financial strategy that is unique to you, your family or your business.Our advice center has tons of resources and information to help you with any financial question you may have. Bank of Tennessee offers complete personal banking, business banking and commercial banking services … 800-236-2442. Available 24/7 or visit a Happy State Bank branch during normal operating hours (Most Happy State Bank locations can print a replacement. 1. on site. 1125 N Hobart St. Pampa, TX 79065. 806-669-2265. Lobby Hours. Drive Thru Hours. Call Now Get Directions.Sign in to your account. Welcome back! Sign in to view status or complete next steps on your loan. Email. Password.You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Visit HappyBank.com. Happy State Bank - W. Wilson St. at Roosevelt St. Address. Happy State Bank. 1431 W Wilson St. Borger, TX 79007. US (806) 274-2265 (806) 274-2265 ... Online Banking Enrollment. Let's get you enrolled by asking a few simple questions. Be sure to have your account number ready. Last Name. Social Security Number/TIN. Date of Birth. Email. Account Type. Checking. You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired.Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by: Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower) External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower)Call 877-591-4663 and listen to greeting. Select 1 for account information or 0 to speak to a Happy State customer service rep. Enter account number and secret pin. Follow prompt to select what information you would like to hear. The Telephone Banking flowchart (below) shows the paths and the options available.Happy State Bank, Happy, Texas. 13,887 likes · 31 talking about this · 143 were here. Happy on Facebook To find a branch or ATM near you visit:... While logged in to your account, select the BillPay tab to get started. Next, follow the directions to enroll and setup your payees. Additional options are available to help seamlessly manage your finances: Schedule your payments in advance using AutoPay. Use eBill to view bills from your payees right from online banking. That means we'll do what it takes to bring your financial dreams to life. Find a Location Call Us 800-447-2265. Welcome to the Happy community! We are so excited to be your financial partner and look forward to serving your personal and business banking needs. Relocation of Manhattan Branch: We are pleased to announce that we have relocated our Manhattan Branch and Executive Offices to our new Headquarter building at 150 East 45th Street, New York, NY 10017 Tel 212 532 4444. In October 2023 we will move our website to HAB.BANK for an even more secure banking experience. Click Customer FAQ to learn … Visit HappyBank.com. Happy State Bank - S. Adams St. at Live Oak St. Address. Happy State Bank. 710 S Adams St. Fredericksburg, TX 78624. US (830) 307-6100 (830) 307 ... Visit HappyBank.com. Happy State Bank - W. Wilson St. at Roosevelt St. Address. Happy State Bank. 1431 W Wilson St. Borger, TX 79007. US (806) 274-2265 (806) 274-2265 ... Welcome to the brighter side of banking. Where every transaction and interaction is built on over 100 years of community-focused, know-you-by-name service. You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Through our Cash Management online platform, customers upload an electronic file of issued checks, including the account number, check number, dollar amount and payee name* (*Payee Positive Pay). We match each check presented for payment against your issue file to ensure proper payment and reduce the risk of altered or falsified checks. Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by: Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower) External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower)Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by: Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower) External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower)Happy State Bank is a community bank that offers a range of banking and financial services to businesses, investors, individuals and municipalities. It is a member of the FDIC and …Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by: Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower) External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower)Customers have the ability to call 877-591-4663 and use an automated system to listen to account information. The Telephone Banking system can provide information on … Visit HappyBank.com. Happy State Bank - E. 2nd St. at Scott Ave. Address. Happy State Bank. 312 E 2nd St. Dalhart, TX 79022. US (806) 249-2265 (806) 249-2265 Get ... Visit HappyBank.com. Happy State Bank - W. Wilson St. at Roosevelt St. Address. Happy State Bank. 1431 W Wilson St. Borger, TX 79007. US (806) 274-2265 (806) 274-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 3:00 PM: Tuesday: 9:00 AM - 3:00 PM: Wednesday: 9:00 AM - 3:00 PM: Thursday: 9:00 AM - 3:00 PM: …The Happy State Bank, a division of Centennial Bank mobile app provides you the convenience to bank when you want and where you want through secure account access within your mobile device. With Happy State mobile app you can: -Open a new account right from your app*. -Check balances. -Deposit checks**. -Transfer funds between eligible …This special online offer may be available in your region. Click Open Now to confirm eligibility. Better banking starts with trust—and we’re honored to be recognized for it. …Stop by any one of our more than 50 branch locations across Texas, and one of our representatives will be happy to walk you through our many Wealth Management services. Our experienced team of Wealth Advisors is ready to help you create a personalized financial strategy that is unique to you, your family or your business. About Us. Founded in 1908 as First State Bank, Happy, Texas, the bank operated solely in that community during its first 81 years. In 1990, J. Pat Hickman led a group of investors in forming Happy Bancshares, Inc. as they purchased the bank. The generically named First State Bank changed its name to the unforgettable Happy State Bank in 2004. Welcome to the brighter side of banking. Where every transaction and interaction is built on over 100 years of community-focused, know-you-by-name service. Learn More. GET DIRECTIONS. (806) 351-2265.Welcome to the brighter side of banking. Where every transaction and interaction is built on over 100 years of community-focused, know-you-by-name service. Your wireless carrier’s data rates may apply. NMLS# 466091. At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best. You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Navigate to happybank.com. For Checking Accounts, the customer will select the “Personal” tab and then select “Checking”. Here they will find the list of online checking accounts we have available. Once they have determined the account type, the customer will click “Open Account Online”. For Savings Accounts and Time Deposits/CDs ...Learn how to use online and mobile banking services from Happy State Bank, such as Bill Pay, Mobile Deposit, Mobile Banking app, and more. Find answers to common questions …[email protected]. Monday – Friday 7 a.m.-7 p.m. (CT) Saturday 8 a.m.-2 p.m. (CT) Reporting a Lost/Stolen Card 800-236-2442. Available 24/7 or visit a Happy State Bank branch during normal operating hours (Most Happy State Bank locations can print a replacement on site. 24/7 Telephone Banking ...While logged in to your account, select the BillPay tab to get started. Next, follow the directions to enroll and setup your payees. Additional options are available to help seamlessly manage your finances: Schedule your payments in advance using AutoPay. Use eBill to view bills from your payees right from online banking. Click hereto view CA Workplace Posters provided by the State of CA. If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732or by email at [email protected]. Online Banking Enrollment. Let's get you enrolled by asking a few simple questions. Be sure to have your account number ready. Last Name. Social Security Number/TIN. Date of …Click hereto view CA Workplace Posters provided by the State of CA. If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732or by email at [email protected] wireless carrier’s data rates may apply. NMLS# 466091. At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best.Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by: Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower) External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower) You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Visit HappyBank.com. Happy State Bank - E. 2nd St. at Scott Ave. Address. Happy State Bank. 312 E 2nd St. Dalhart, TX 79022. US (806) 249-2265 (806) 249-2265 Get ... 800-236-2442. Available 24/7 or visit a Happy State Bank branch during normal operating hours (Most Happy State Bank locations can print a replacement. 1. on site. Мы хотели бы показать здесь описание, но сайт, который вы просматриваете, этого не позволяет.
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Financing solutions for your business. We take your business success personal. That’s why our bankers are here to help you manage and grow your business no matter how long your doors have been open. When …You are leaving HappyBank.com Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Banking Service Support. Need service support with our website or online banking? We’ll be happy to help! Call 800-447-2265 and speak with one of our friendly service desk folks. Once you connect with us, you will be asked to use THIS LINK for Remote Online Assistance (Please be sure to call us before using the link.) Happy State Bank is a community bank that offers a range of banking and financial services to businesses, investors, individuals and municipalities. It is a member of the FDIC and supports local charities, and it offers benefits such as instant issue debit cards, financial education and travel discounts. Please call Customer Care (800-447-2265) or our Bill Pay support center (855-682-9045) or find this information in your Online Banking Bill Pay account. Online Banking Enrollment. Let's get you enrolled by asking a few simple questions. Be sure to have your account number ready. Last Name. Social Security Number/TIN. Date of Birth. Email. Account Type. Checking. Live the Happy life. Make sure you're set up to make the most out of every moment. When it comes to your financial lifestyle, we're here to help. See Our Locations. Happy designed to help you reach your personal financial goals. You worked hard for your money. Managing it should be easy.Add your Happy State Bank debit card to your mobile wallet. 1. for Apple Pay, ® Google Pay™ and other purchases on-the-go. No cards or cash to lose. Easily turn off if phone is …Please call Customer Care (800-447-2265) or our Bill Pay support center (855-682-9045) or find this information in your Online Banking Bill Pay account.With Happy State mobile app you can: -Open a new account right from your app*. -Check balances. -Deposit checks**. -Transfer funds between eligible accounts. …West Fwy. at Ridgmar Blvd. Full-Service Branch. 2525 Ridgmar Blvd, Ste 100. Fort Worth, TX 76116-4524. 817-737-2265. Lobby Hours. Drive Thru Hours.Visit HappyBank.com. Happy State Bank - River Rd. at Herff Ranch Blvd. Address. Happy State Bank. 1689 River Rd. Boerne, TX 78006. US (830) 331-6050 (830) 331-6050 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 4:00 PM: Tuesday: 9:00 AM - 4:00 PM: Wednesday: 9:00 AM - 4:00 PM: Thursday: 9:00 AM - 4:00 PM: …We're here to help you. Our only job is to help our customers. That means we'll do what it takes to bring your financial dreams to life. Find a Location Call Us 800-447-2265. Welcome to the Happy community! We are so excited to be your financial partner and look forward to serving your personal and business banking needs.Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by: Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower) External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower)About Happy State Bank. Welcome to the brighter side of banking. Where every transaction and interaction is built on over 100 years of community-focused, know-you-by-name service. Learn More. GET DIRECTIONS. (806) 798-2265.The merger will close on July 1, and at that time we will have 58 locations in 41 Texas communities and combined assets of approximately $5 billion. We have always thought Centennial would be a good fit for Happy State Bank’s growth plans in terms of culture and locations.”. Centennial Bank currently operates in 14 locations including …North Dallas Pkwy. Full-Service Branch. 16633 N Dallas Pkwy, Ste 350. Addison, TX 75001. 972-934-2265. Lobby Hours. Call Now Get Directions.Visit HappyBank.com. Happy State Bank - Sidney Baker S. at Park Ln. Address. Happy State Bank. 207-C Sidney Baker S. Kerrville, TX 78028. US (830) 353-6700 (830) 353-6700 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 12:00 PM 1:00 PM - 4:00 PM: Tuesday: 9:00 AM - 12:00 PM 1:00 PM - 4:00 PM: Wednesday:Click hereto view CA Workplace Posters provided by the State of CA. If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732or by email at [email protected]. Happy State Bank is a community bank that offers a range of banking and financial services to businesses, investors, individuals and municipalities. It is a member of the FDIC and supports local charities, and it offers benefits such as instant issue debit cards, financial education and travel discounts. Visit HappyBank.com. Happy State Bank - S. Dumas Ave. at 8th St. Address. Happy State Bank. 800 S Dumas Ave. Dumas, TX 79029. US (806) 934-2265 (806) 934-2265 Get Directions. Lobby Hours. Day of the Week Hours; Monday: 9:00 AM - 4:00 PM: Tuesday: 9:00 AM - 4:00 PM: Wednesday: 9:00 AM - 4:00 PM: Thursday: 9:00 AM - 4:00 PM: ….