With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...AT&T typically gives customers a Reward Card as a rebate for the purchase of products or the activation of select AT&T services. Customers may use the card for purchases anywhere V...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Why was my virtual card order charged in 1 payment instead of 4? I received my order, but the merchandise inside the package was damaged. Why was my order canceled? See all 10 articles Help with Premium Merchants & Affiliates. I need help with a Sezzle Premium or Anywhere order. I've purchased a gift card and am not able to use it.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Unlike a credit card, your spending power with Sezzle is evaluated regularly and can change over time. Meaning it can increase or decrease depending on a variety of variables. The most common reason spending power increases is the responsible and timely handling of your payments to Sezzle.2. Search for and click Steam. 3. Click Pay with Sezzle. 4. Your Steam purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Steam. Pay in easy budget-friendly payments. Start shopping at Steam today and get interest-free financing!With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Sezzle, a purpose-driven instalment payment platform, announced the launch of its new Sezzle Pay Anywhere product – a subscription-based service that allows shoppers to use Sezzle’s Virtual Card online, in-store, or wherever Visa is accepted. The company fills an essential gap in consumers’ financial lives, and when used responsibly, it ...From the Sezzle app, go to “Account” and click “Gift Cards.”. Select the gift card you want to share. Click on the “Send Gift Card” button. Fill out the contact information for the person you’d like to send it to and the date it will be sent. You must type the email twice to verify it and go to the right person. Click “Confirm.”.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Download the Sezzle App. 2. Search for and click Olight. 3. Click Pay with Sezzle. 4. Your Olight purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Olight. Pay in easy budget-friendly payments.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...What is a Virtual Card purchase request, and how do I create one? Why can't I use Sezzle at Target? I ran into an issue at checkout while shopping online. How do I use the Sezzle Virtual Card? How do I use Sezzle Anywhere? How do I place an order at Walmart using Sezzle? See all 9 articles Spending PowerWith Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...3. Selling of animals and/or pets, including exotic or banned animals; Exotic animals: relatively rare or unusual to keep; thought of as a wild species rather than a domesticated pet; Banned animals: not allowed to be kept as pets; 4. Transactions involving collusion, deception, fraud, or factoring; 5.Where can I use Sezzle? Anywhere with the Sezzle virtual card! No credit check needed! Buy from your favorite stores today, and split up the cost into four interest-free payments. Paga Después y Crea Crédito de Manera Responsable ... ²The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., ...It launched Sezzle Pay Anywhere, a subscription-based service that enables consumers to use Sezzle’s virtual card online, in-store, or wherever Visa Inc. transactions are accepted. Sezzle says the fee is not set yet because Sezzle Pay Anywhere is still in the beta stage, a spokesperson tells Digital Transactions News.Download the Sezzle App. 2. Search for and click Pure Hockey. 3. Click Pay with Sezzle. 4. Your Pure Hockey purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Pure Hockey. Pay …Download the Sezzle App. 2. Search for and click Specialty Business Cards. 3. Click Pay with Sezzle. 4. Your Specialty Business Cards purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Specialty Business Cards. Pay in easy budget-friendly payments.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...3. Selling of animals and/or pets, including exotic or banned animals; Exotic animals: relatively rare or unusual to keep; thought of as a wild species rather than a domesticated pet; Banned animals: not allowed to be kept as pets; 4. Transactions involving collusion, deception, fraud, or factoring; 5.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Mailing Address. 700 Nicollet Mall. Suite 640. Minneapolis, MN 55402. Check out our FAQ pages for answers to the most common questions, or get in touch, we'd love to hear from you.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Download the Sezzle App. 2. Search for and click Uber. 3. Click Pay with Sezzle. 4. Your Uber purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Uber. Pay in easy budget-friendly payments.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Download the Sezzle App. 2. Search for and click Instacart. 3. Click Pay with Sezzle. 4. Your Instacart purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Instacart. Pay in easy budget-friendly payments.Download the Sezzle App. 2. Search for and click Bambu Lab. 3. Click Pay with Sezzle. 4. Your Bambu Lab purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Bambu Lab. Pay in easy budget-friendly payments. Start shopping at Bambu Lab today and get interest-free financing!With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Financially Empowering the Next Generation. Financial freedom is a right, not a privilege. We're here to help you achieve financial freedom and take control over your finances so you can build your future. Sezzle allows you to buy now and pay later! Shop now, get what you need, and pay later in 4 interest-free installment payments over six weeks.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...It’s best to keep your overall spending power and active purchase requests in mind when attempting a new Sezzle order. Locked Virtual Card. If you have submitted the "Report a Problem" form, the virtual card will be unlocked when our team has finished their investigation. If you have locked the virtual card manually in the app, navigate to ...Cost. $17.99/m. Credit Check. Soft* Type. Virtual Card. Tip: With a Sezzle Anywhere monthly subscription of $17.99, you will get a virtual Visa card that can directly be used online at retailers that do not accept Sezzle and for in-store, can be connected to a digital wallet like that from Google, Apple, and Samsung for tap and pay checkout.• Nearly 50% of Gen Z and Millennials use BNPL finance options. Consumers 18-34 years old are 3x more likely to use BNPL installment financing. • Men (63%) use BNPL options more than women (51%). • 42% of consumers who use the buy now pay later payment options to use it because of the clarity of fees and interest rates, with 39% saying they …With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details.Sezzle’s ‘Pay Anywhere’ Product Gives Shoppers the Ability to use Sezzle’s Responsible Way to PayTM at any online or in-store locations where VISA is acceptedMinneapolis, MN, June 22, 2023 ...Where can I use Sezzle? Anywhere with the Sezzle virtual card! No credit check needed! Buy from your favorite stores today, and split up the cost into four interest-free payments. Pay Later and Build Credit, Responsibly ... ²The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., ...Download the Sezzle App. 2. Search for and click Instacart. 3. Click Pay with Sezzle. 4. Your Instacart purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Instacart. Pay in easy budget-friendly payments.How to create a purchase request through the “Virtual Card” tab (For general Virtual Card use or shopping with Sezzle Anywhere.) From the Sezzle app, navigate to the “Virtual Card” tab and click “Request a Purchase Amount.” Enter the amount you’d like to spend. Make sure it’s within your spending power.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...2. Search for and click TCG and Games. 3. Click Pay with Sezzle. 4. Your TCG and Games purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at TCG and Games. Pay in easy budget-friendly payments. Start shopping at TCG and Games today and get interest-free financing!The steps include: Generate a Sezzle test card. Add In-Store Location. Run Test Transaction. Connect Transaction to In-store Location. Start by navigating to their dashboard “Settings” menu, and selecting “in-store,” which will take them to the following screen. Once you click “start,” you will see the 4 easy steps to complete to ...To lock your Sezzle Virtual Card: Log into your Sezzle dashboard or mobile app and navigate to the "Virtual Card" tab. Click the toggle next to "Lock Card" and select "Lock Card" in the pop-up window to confirm. Once your card has been locked, it cannot be used for any purchases. When you feel your card is safe to use again, click ...Ben Luthi. Updated on January 29, 2022. Reviewed by Cierra Murry. Photo: svetikd / Getty Images. buy-now-pay-later (BNPL) movement. in-store purchases. Sezzle is a buy-now-pay-later (BNPL) service that lets you shop online and pay in installments. Learn how it works, where you can use it, and how to pay back your loan.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Unlock all of the benefits of Sezzle Premium including exclusive discounts, 1% back in Sezzle Spend on select purchases, one additional free reschedule per order, gift card sharing, and more; PLUS the ability to pay in 4 anywhere.¹. Use Sezzle to buy now pay later anywhere Visa is accepted. Pay in easy installments. Shop smarter with Sezzle.Pay in 4 Anywhere You Need It. Sezzle Anywhere. Use Sezzle anywhere that Visa is accepted with your Sezzle Virtual Card. Trending Brands. Get exclusive access and deals at the top brands you already know & love. Amazon. ... ²The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Download the Sezzle App. 2. Search for and click Ulta. 3. Click Pay with Sezzle. 4. Your Ulta purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Ulta. Pay in easy budget-friendly payments.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...2. Search for and click Rolled Cones. 3. Click Pay with Sezzle. 4. Your Rolled Cones purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Rolled Cones. Pay in easy budget-friendly payments. Start shopping at Rolled Cones today and get interest-free financing!In June, Sezzle launched its Pay Anywhere subscription that allows members to use its virtual card online or in-store through its mobile app anywhere that accepts Visa.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Download the Sezzle App. 2. Search for and click Card Brawlers. 3. Click Pay with Sezzle. 4. Your Card Brawlers purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Card Brawlers. Pay in easy budget-friendly payments.Download the Sezzle App. 2. Search for and click Apple. 3. Click Pay with Sezzle. 4. Your Apple purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Apple. Pay in easy budget-friendly payments.Are you a basketball fan looking for ways to watch your favorite games live online? With the advancement of technology, streaming basketball games online has become easier than eve...Download the Sezzle App. 2. Search for and click Costumes. 3. Click Pay with Sezzle. 4. Your Costumes purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Costumes. Pay in easy budget-friendly payments.There are two common checkout issues you may encounter when trying to place an order online with Sezzle: Sezzle is not an available payment option during checkout. If you don't see Sezzle as a payment method during the checkout process, there is a chance the merchant either deactivated Sezzle or has an order value requirement.Enhance your shopping experience at CardFree with Sezzle’s flexible payment plan that breaks your purchase into 4 equal payments over 6 weeks.² Enjoy CardFree’s vast selection and the convenience of shopping with more flexible payment options on Sezzle’s BNPL platform. Begin today and discover the simplicity of paying with Sezzle …Download the Sezzle App. 2. Search for and click Apple. 3. Click Pay with Sezzle. 4. Your Apple purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Apple. Pay in easy budget-friendly payments.Download the Sezzle App. 2. Search for and click square. 3. Click Pay with Sezzle. 4. Your square purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at square. Pay in easy budget-friendly payments.Download the Sezzle App. 2. Search for and click Brownells. 3. Click Pay with Sezzle. 4. Your Brownells purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Brownells. Pay in easy budget-friendly payments.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhere Visa is accepted, providing you with additional choices and flexibility. ... ⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides ...Ping G430 MAX 10K Driver. This item is eligible for 15% off at checkout! 2023. 21-50826#. The product has no review yet. $704.99. Financing available with. Help me find the right clubs. Free 30-day Warranty on used golf clubs.The steps include: Generate a Sezzle test card. Add In-Store Location. Run Test Transaction. Connect Transaction to In-store Location. Start by navigating to their dashboard “Settings” menu, and selecting “in-store,” which will take them to the following screen. Once you click “start,” you will see the 4 easy steps to complete to ...Download the Sezzle App. 2. Search for and click Disney. 3. Click Pay with Sezzle. 4. Your Disney purchase is split into 4 interest-free payments over 6 weeks.². Use Sezzle when you buy now and pay later at Disney. Pay in easy budget-friendly payments.From the Sezzle app, go to “Account” and click “Gift Cards.”. Select the gift card you want to share. Click on the “Send Gift Card” button. Fill out the contact information for the person you’d like to send it to and the date it will be sent. You must type the email twice to verify it and go to the right person. Click “Confirm.”.With Sezzle Anywhere, Sezzle allows shoppers use the Virtual Card to establish installment payments anywhe, Payments. 22.06.2023 04:40 pm. 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