Greetings from Henry Glascock

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2 Table of Contents Greetings from Henry Glascock... 1 Property Description... 2 Location Maps... 3 Tax Map Aerial... 5 Plat... 6 Hamilton County Zoning Map... 7 Topography Map... 8 Aerial Photos of the Property... 9 Individual Tract Descriptions and Photos Property Record Card R-2 Urban Residential District Zoning Regulations Deed Previous Deed Language - Legible Frequently Asked Questions Sample Auction Contract Auction Terms and Conditions Disclaimer... 43

3 Greetings from Henry Glascock To: From: Subject: Prospective Bidders Henry B. Glascock Auction Chickamauga Lake 7 Tracts May 18 th, 2017 at 6pm Property Location: 7035 Glover Road Chattanooga, TN This property information package has been prepared to assist you in your pre-auction due diligence. Please carefully review the disclaimer and the auction terms. We encourage and invite you to attend. Please call us with any questions, perform your due diligence and plan to attend this important auction event, ready to buy at your price. Sincerely, Henry B. Glascock Henry B. Glascock Company

4 Property Description Mark your calendar! Thursday, May 18 th at 6:00 pm is an important date to remember. On this day over 44 acres on Chickamauga Lake will be sold in 7 separate tracts or will be sold as a whole. This parcel of land has never been offered for sale divided up into smaller tracts. This property was originally purchased from the Tennessee Valley Authority in 1945 by the Provident Life and Accident Company (Provident Club) in The property was then improved with a club house, swimming pool, tennis courts, basketball court, several pavilions, several docks, a boat ramp, a care takers residence and other recreational use structures. Many years later, Provident gave the property to the YMCA who subsequently sold it to the present owners, YNOT, LLC. The YNOT lake property is spectacular, consisting of approximately 44.5 rolling, wooded Chickamauga Reservoir acres with over 3,400 linear feet of shoreline on the contour. This property has never before been available in smaller tracts and this auction presents a once in a lifetime opportunity. The property has been preliminarily divided into 7 smaller tracts, each in excess of five acres and each accessed by a fifty foot wide ingress/egress and utility easement that runs primarily along existing roadways. Only one of the tracts will require additional road construction for access. This property is one of the last remaining larger tracts within the Chickamauga Reservoir and no other available property is this well located relative to Chattanooga. Owners of these tracts will have superior privacy and lake front footage that is unheard of in this market. To get to the property, take Highway 58 from Highway 153 to its intersection with Hickory Valley Road. Go left at the Mapco Mart (see auction sign) and take Hickory Valley Road to its terminus at Harrison Pike/Glover Road. Merge onto Glover Road and follow it all the way to the entrance to the YNOT property. Utilities provided on Glover Road include a six inch water line and overhead power. OPEN HOUSE SCHEDULE Saturday April 29 th 12:00 to 4:00 Sunday April 30 th 12:00 to 4:00 Saturday May 6 th 12:00 to 4:00 Sunday May 7 th 12:00 to 4:00 Saturday May 13 th 12:00 to 4:00 Sunday May 14 th 12:00 to 4:00 2

5 Location Maps 7035 Glover Road Chattanooga, TN

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7 Tax Map Aerial 5

8 Plat Tract # Approximate Acres Approximate Lake Frontage 1 5 +/- 265' +/ /- 925' +/ / / /- 1,170' +/ /- 400' +/ / /- and Shared Boat Ramp & Dock /- Shared Boat Ramp & Dock 6

9 Hamilton County Zoning Map 7

10 Topography Map 8

11 Aerial Photos of the Property Aerial view of the Chickamauga Lake Shoreline, Tracts 2 and 3 shorelines seen Tract 2 shoreline 9

12 Individual Tract Descriptions and Photos Tract One is located on the right side of the entrance gate and on the right side of the present paved driveway. The tract has gentle sloping topography that is oriented to the east for a very nice view of Harrison Bay. The tract is estimated to consist of over 5.5 acres with over 265 feet of lake frontage. It is wooded, has excellent road access and there are several building sites that provide privacy and enhanced lake access. Included is a dock located in a slough shared by Southern Realty Company (adjoining owner). Lake view from Tract 1 10

13 Tract Two is the location of the Provident club house, swimming pool, caretaker s residence and the majority of the water use facilities added by Provident. These include a sea wall and two docks as well as several picnic areas. This tract is also on a gentle slope but it includes land that extends out into the Reservoir creating a peninsula that is unmatched. The tract consists of over 5 acres and it includes over 925 feet of lake front footage. Tract 2 looking down the hill towards the clubhouse and shoreline Beautiful lake views from Tract 2 11

14 View looking southeast from Tract 2 shoreline 12

15 Tract 2 stone steps and walkway leading from the club house down to the docks Tract 2 view from the clubhouse pavilion down to the lake 13

16 Tract 2 as seen from the lake 14

17 Tract Three has good road access from existing street improvements and it is oriented northeast with excellent views of and access to Chickamauga Lake. It is a wooded tract with several Provident improvements including a basketball court. The tract consists of an estimated 6 acres and it has over 435 feet of lake front footage. View of lake from possible building site on Tract 3 Tract 3 shoreline 15

18 Tract Four is the only tract that will require a road extension for access. However, it includes a knoll with potential for a promontory having a nearly 270 view overlooking Chickamauga Lake and the extended Tennessee River and surrounding topographical undulations. This wooded peninsula includes a pavilion and consists of an estimated 5 acres. Its dockable lake front footage is estimated to be over 1,170 front feet. Expansive views of the lake from Tract 4 Tract 4 shoreline 16

19 Tract Five is a 7+ acre tract on the east side of a slough shared with land owned by the State of Tennessee. It is a wooded tract that includes the tennis courts added by Provident. Its estimated lakefront footage will be approximately 400 feet. Tract 5 shoreline seen in the left side of the photopraph Access to Tract 5 17

20 Tract Six is estimated to consist of over eight acres and it adjoins a golf course on its west boundary and the State of Tennessee on its north line. This tract has a pavilion and a substantial boat ramp that was built by Provident. Use of that ramp will be shared with Tract Seven. Included with this tract will be an approximate 200 feet of shoreline along the east bank of the slough shared by the State of Tennessee. This will allow for construction and use of a dock to be shared with Tract Seven. Tract 6 looking southwest, away from the lake Tract 6 boat ramp and parking 18

21 Tract Seven, a wooded tract consisting of over an estimated five and one half acres, is the only tract with no lake front footage. However, Tract Seven will include the right to jointly construct and share use of a dock along the shoreline of Tract Six. Tract Seven will also have the right to shared use of the boat ramp with Tract Six. 19

22 Access and Utilities - So that access and utilities can be provided to all of the planned tracts, a road construction and maintenance association will be formed that will include all successful bidders as members. Each successful bidder will be required to pay an additional $25,000 per tract purchased to fund road and underground utility construction. Purchasers of Tracts Three, Four and Five will be granted joint use of the new road creating access and utilities to Tract Four. 20

23 Property Record Card 21

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25 R-2 Urban Residential District Zoning Regulations 23

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30 Deed 28

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35 Previous Deed Language - Legible Record Book 966 Page 595 THIS INDENTURE, made and entered into by and between the United States of America, hereinafter called the Grantor acting herein by and through its legal agent, the Tennessee Valley Authority (hereinafter sometimes referred to as the Authority ), a corporation created and existing under an Act of Congress, known as the Tennessee Valley Authority Act of 1933, as amended, and The Provident Club, a Tennessee Corporation, hereinafter call the Grantee. WITNESSETH; WHEREAS, Section 4 (k) (a) of the above mentioned Act of Congress authorities the Authority in the name of the United States of America, to covey any real property in its possession or under its control to any person for the purpose of recreation or for use as a summer resident; and WHEREAS, no permanent dam, hydroelectric power plant, fertilizer plant, or munitions plant is located on the land hereinafter described; and WHEREAS, the sale of the land hereinafter described has been duly approved by the President of the United States; and WHEREAS, after due advertisement said land was offered for sale at public auction on the 11 day of February 1948 at 10:00 o clock a.m. at Room 204 Old Post Office Building city of Chattanooga, county of Hamilton, State of Tennessee, and was finally struck off and sold to the Grantee for the sum of Five Thousand One Hundred and No/100 dollars ($5,100.00) that being the highest and best bid made at said auction sale. NOW, THEREFORE, in consideration of the premises and the full payment of the aforesaid bid, receipt whereof is hereby acknowledged, the Grantor does hereby, subject to the conditions hereinafter set forth, grant, bargain, sell, transfer and convey unto the Grantee, for the purpose of recreation by a private club only. A tract of land lying in the Second Civil District of Hamilton County, State of Tennessee on the west shores of Harrison Bay of Chickamauga Lake, approximately 2 miles north of New Harrison, and more particularly described as follows: TVA 2822 (LA-6-47) Beginning at US-TVA Monument 82-3 (Coordinate: N. 273,444, E 2,254,438) in the boundary of the United States of America s land at a corner to the lands of J.M. Glover, D.N. Lamon and Edgar B. Brewster; thence with the United States of America boundary line, N E. 775 feet to a point in the center line of a road; the said point being S W. 14 feet from US-TVA Monument 9-5; thence leaving the United States of America s boundary line, S E. 365 feet to US-TVA Monument 9-6 in the center line of a hollow; thence along the hollow N E. 102 feet to US-TVA Monument 9-7 at the head of the foot contour at the south end of an inlet of Harrison Bay; thence with the feet contour as it meanders in the north westerly direction to the 33

36 mouth of the inlet and subsequently up the bay in a general southerly direction for a total distance of approximately 3540 feet to an angle iron at the head of the contour in the center line of the hollow; thence leaving the contour S W. 413 feet to US-TVA Monument 82.2 in the boundary of the United States of America s land; thence with the United State of America s boundary line N W feet to the point of beginning, and containing 44.5 acres, more or less. FURTHERMORE, the rights to construct and maintain water use facilities at locations and upon plans to be approved in advance by the Authority and suitable ingress and egress over the adjoining land lying between the foot contour elevation and the water or the lake, upon the express condition that said rights shall be subject to and shall not in any way interfere with the Authority s statutory program for river control and development, including, but without limitations by reason of enumeration, the Authority deems necessary or desirable in the promotion of malaria control, flood control, navigation, or other essential programs, and the Authority shall not be liable for any loss or damage resulting therefrom. The positions of corner and directions of lines are referred to the Tennessee Coordinate System. The contour elevation is based on MSL Data as established by the USC&GS Southeastern Supplementary Adjustment of The boundary market designated US- TVA Monument are concrete monuments capped by bronze tablets imprinted with the given number and letters. The above described tract of land is conveyed subject to such rights as may be vested in the public and in the county to road rights of way and to such rights as may be vested in third parties in an existing road. The above described tract of land is a part of the same land acquired by the United State of America by virtue of the deed from Harry W. Durand, Jr. and Hugh T. Vinson, Trustees, dated March 11, 1937, recorded in Deed Book L. Vol 29 page 639 in the Register s office of Hamilton County, Tennessee. It is hereby agreed that this conveyance is made upon the express condition that the land herein described shall be used solely for recreational purposes by a private club. Upon breach of this condition, either in whole or in part, the Grantor, and its successors shall have the right to re-enter and take possession of said land, and to hold, own, and possess the same in the same manner and to the same extent as if this conveyance had never been made. Any failure on the part of the Grantor to re-enter and take possession of said land shall not be construed to be a waiver of this condition. T 2822 (modified) In making this conveyance, however, the Grantor expressly reserves the following described easement rights: (1) The right to maintain any existing boundary and traverse monuments and silt range stations upon the land above described. 34

37 (2) On and over that portion of the above described land which is located below the 690-foot contour elevation (all contour elevations referred to herein are based upon mean level as established by the 1936 Southeastern Supplementary Adjustment U.S. C. & G. S.) the right to enter upon said portion of said land and do any and all things that Grantor considers necessary and desirable in connection with its statutory program for river control and development, this right shall include but not be limited to, by reason of lack of specific enumeration, the right to temporarily or permanently flood said portion of said land with backwater created by the erection and operation of any dam or dams across the Tennessee River and its tributaries; the right to clean (illegible) and drain said land and apply larvicides and chemicals thereon; to carry on bank protection work, to erect or remove structures, and do any and all other things which Grantor deems necessary or desirable in the promotion and furtherance of malaria control, flood control, and navigation, and the right to prohibit the dumping or draining into the waters of any stream or reservoir, under Grantor s control, of any refuse, sewage or other material which might tend to pollute or render said water unsanitary. (3) And in addition, on and over the portion of the above described land which is located within a distance of 250 feet of the shore line ( Shore Line as used herein refers to the foot contour elevation) of any stream or reservoir under Grantor s control, the right to erect and maintain navigation aids and do such clearing as Grantor may deem necessary to ensure visibility. All uranium, thorium and all other materials determined pursuant to section 5 (b) (1) of the Atomic Energy Act of 1946 (60 sts. 761) to be peculiarly essential to the production of fissionable material, contained, in whatever concentration, in deposits in the lands covered by this instrument are hereby reserved for the use of the United States, together with the right of the United State through its authorized agents or representatives at any time to enter upon the land and prospect for mine, remove the same, making just compensations for any damage or injury occasioned thereby. However, such land may be used and any rights otherwise acquired by this disposition may be exercised, as if no reservation of such materials had been made; exempt that, when such use results in the extraction of any such material from the land in quantities which may not be transferred or delivered without a license under the Atomic Energy Act of 1946, as it now exists or may hereafter be amended, such material shall be the property of the United States Atomic Energy Commission, and the Commission may require delivery of such material to it by any possessor thereof after such material has been separated as such from the area in which it was contained. If the Commission requires the delivery of such material to it, it shall pay to the person mining or extracting the same, or to such other person as the Commission determines to be entitled thereto, such sums, including profits, as the commission deem fair and reasonable for the discovery, mining, developments, production, extraction, and other service performed with respect to such material prior to such delivery, but such payment shall not include any amount on account of the value of such material before removal from its place of deposit in nature. If the Commission does not require delivery of such 35

38 material to it, the reservation hereby made shall be of no further force or effect. Grantor further reserves, for the benefit of other properties of the Grantor or its assigns, in common with the Grantee, a right of way 50 feet wide for the construction, maintenance, and use of a road on, over and across the above described land, the first portion of the said right of way lying Northeast of and adjacent to a portion of the Southwest boundary of the described land and extending from a Southeast boundary line at the most Southerly property corner in a Northwesterly direction approximately 1030 feet, the second portion of the right of way extending from the Northwest end of the first described portion in a Northeasterly direction approximately 250 feet to an existing road and then along the existing road in a Northerly direction approximately 450 feet to a North boundary line at a point N W, 130 feet, more or less from the previously mentioned US-TVA monument 9-6; together with the right to do the necessary work of construction and maintenance of said road and the necessary work in construction maintenance of any draining ditches and other road appurtenance lying outside of but adjacent to the limits of the right of way. TVA 2522 (Modified) Grantor further reserves a permanent easement and right of way for. (illegible)... purposes timely: The perpetual right to enter and to erect, maintain, repair, rebuild, operate and patrol one or more electric power transmission lines, and one or more telephone lines, including the right to erect such poles and other transmission line structures, wires, cables, and any necessary appurtenances: the right to clear said right of way and keep the same clear of brush, timber, structures, and fire hazards, and the right to remove danger trees, if any, located beyond the limits of said right of way; all over, upon, across, and under the following described land to wit: A strip of land 30 feet wide lying 15 feet on each side of the center line of an existing transmission line, owned and operated by the Chattanooga Electric Power Board, across the said land, the said existing transmission line beginning at a power pole 5 feet, more or less, southwest of the southwest boundary line and 400 feet, more or less, northeast of the previously mentioned US-TVA Monument 82.2 and extending in a northwesterly direction approximately 450 feet to a power pole at the end of the transmission line. Neither the authority nor the United States of America shall be liable for any damage incidental to the exercise of any of the rights reserved except that the authority shall remain liable for any additional damage caused by its construction forces to the property (above described and hereby conveyed) as a result of the erection, maintenance, or rebuilding of its electrical power transmission and telephone lines on the right of way reserved. In accepting this conveyance, however, the grantee, for himself, his heirs, successors, and assigns, covenants and agrees to and with the grantor that the following shall constitute real covenants which shall attach to end run with the above described land and shall be binding upon anyone who may hereafter come into ownership thereof, whether by purchase, devise, decent or succession; (1) In the interest of public health and sanitation and in order that the land above described and all other land in the same locality may be benefited by a decrease in the hazards of stream pollution and by the protection of water supplies, recreation, wildlife and other public uses of Grantor s reservoir waters and shore lands, he 36

39 will not use the above described property for any purpose that would result in the draining or dumping into the reservoir of any refuse, sewage, or other material, which might tend to pollute the waters of said reservoir. (2) In order to foster the development of said land for the recreational purposes herein set forth, the Grantees (a) will not construct or maintain or cause or suffer to be constructed or maintained on said land any buildings or structures other than a club house, cabins/lodges, recreational facilities, and necessary and appurtenant outbuildings; (b) will construct for use with said buildings either septic tanks or outdoor toilets in accordance with the standards of the State and County public health officials; and (c) will not constructor maintain or cause or suffer to be constructed or maintained on said land any building located nearer than 25 feet from any aide or back line of said land and not hearer than 35 feet from the margin of the right of way of any road. (3) He will not construct or maintain any buildings or other structures except water use, facilities constructed in accordance with plans approved by the authority on any portion of the above described land which is located below the 690 feet contour elevation. To have and to hold said land and premises, subject to the condition hereinabove stated, unto the Grantee, his heirs, successors, and assigns in fee simple, together with all and singular the hereditaments and appurtenances thereunto belonging or in anywise appertaining. And the Authority does hereby covenant that the Unites States of America is seized and possessed of the above described land; that the Authority as legal agent of the United States is duly authorized to convey the same, that said land is free and clear of liens and encumbrances; and that, subject only to such exceptions, conditions, restrictions, and or limitations as may be expressly mentioned above, it will warrant and defend the title thereto against the lawful demands of all persons claiming by,.. or under the United States of America, but not further or otherwise. Wherever in this instrument the context requires the singular number and masculine gender as herein used may be read as plural and feminine, or neuter respectively, In Witness Whereof, the Tennessee Valley Authority, noting herein as legal agent of the United States of America, and being duly authorized so to do, has caused this instrument to be executed, in the name of the United States of America, by its authorizes officers and its corporate seal to be hereunto affixed on this the 11 day of February

40 Frequently Asked Questions Q. Will there be any liens, back property taxes or past debts on the property when I purchase? A. The property will be sold free and clear of any liens, back property taxes or past debts. Current property taxes will be prorated to date of closing. Purchaser must buy title insurance to insure clear title at closing. Q. How much earnest money is due on Auction day? A. Ten percent (10%) of the purchase price is due on auction day on all properties. As an example: High bid of $1,000 Buyer s premium $ 100 Purchase price $1,100 Earnest money (10%) $ 110 Balance due in 30 days $ 990 Q. What other expenses will the buyer have at closing? A. The cost to record the deed plus the transfer taxes based on the purchase price. Also, the cost of title insurance and any Purchaser s closing fees or property tax pro-rations. Purchaser pays the cost of surveying their tract(s), with the cost of surveying intermediate lines being split with adjacent property owners (if property sells divided) at the rate of $0.75 per linear foot. Q. Is there a minimum bid required? A. No. However, this is a reserve auction. The Seller can accept or reject high bids at his/her sole discretion. Q. Is electricity and water available at the property? A. Yes. City water (six-inch water line) and power are available at the property entrance. If the property sells divided, successful bidders will be required to pay an additional $25,000 per tract to be deposited into an escrow account to fund roadway and utilities construction. The construction and maintenance of roads and utilities will be implemented by an elected board of directors of a road construction and maintenance association consisting of the new tract owners. (See Exhibit B on the attached sample sales contract.) Q. Who will maintain the private roads leading to the various tracts? A. The above described property owner s association will be created on or before date of closing and will administer the road and utility maintenance fees. All private roads shall have a 50 foot wide easement for road and utility construction. (see Plat). Q. When is the closing? A. On or before 30 days after the auction with The Title Guaranty & Trust Company of Chattanooga (423) Seller has the option to extend the closing date. Q. Are there any deed restrictions? A. The property is restricted to recreational use by a private club. Each private club may construct cabins, cottages, lodges, club houses and recreational facilities that can be used year-round. (See Exhibit C on the attached sample sales contract) Q. Can you build a dock on individual tracts? A. Yes, subject to approval by TVA. TVA accepts or rejects dock permit applications on an individual, case by case basis. 38

41 Q. Can individual tracts be subdivided into smaller tracts at a later date? A. If the road construction and maintenance association constructs County specification roadways from the present entrance to respective tracts and provides County specification road access to potential lots, yes, the tracts may be further subdivided provided their uses comply with deed restrictions. 39

42 Sample Auction Contract 40

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44 Auction Terms and Conditions AUCTION LOCATION: The auction will be held Thursday, May 18th at 6:00 PM at the SpringHill Suites Marriott Riverfront Parkway - Chattanooga, TN INSPECTION: The Property is open for inspection during Open Houses or by appointment. Open houses will be held from 12:00 to 4:00 on the weekends of 4/29, 4/30, 5/6, 5/7, 5/13 and 5/14. If you are unable to attend an open house, call Henry Glascock to schedule a site visit at BIDDING TERMS: Pay 20% (of the purchase price) earnest money down at the auction and sign Contract of Sale. Balance due at closing within 30 days. A copy of the contract may be reviewed prior to the auction by contacting the auctioneer. BUYER S PREMIUM: There is a 10% buyer s premium being charged at this auction. Example: For each $10,000 of bid amount, there will be a $1,000 buyer s premium added to arrive at a purchase price of $11,000. CLOSING: Balance of the purchase price is due on or before June 19 th, CLOSING ATTORNEY: Closings will be conducted by Brian Copet with The Title Guaranty and Trust Company of Chattanooga (423) Deed preparation and attorney s fees will be paid by the seller; all other normal closing costs will be paid by the purchaser. Taxes will be prorated as of date of closing. Title insurance through Title Guaranty & Trust shall be paid by purchaser. AGENCY: Henry B. Glascock Company, auction firm/broker and Don Harris, auctioneer, are acting exclusively as agents for the seller. SPECIAL NOTE: Property is selling as-is, where-is with all faults and is selling subject to easements, leases, restrictions, covenants, conditions, zoning and all other matters revealed by a current survey or an inspection of the property or contained in public records. The only representation and warranties made are those contained in the Contract of Sale. Seller reserves the right to add or delete property, or cancel the sale, prior to the auction. Properties will be conveyed by Limited Warranty Deed. Information contained herein was obtained from sources deemed reliable. The property will sell asis, where-is with no warranty, express or implied, as to improvements, soil condition, environmental and wetlands, or zoning. Although every precaution has been taken to ensure accuracy, neither the seller, Henry B. Glascock Company nor their agents will be responsible for any errors or omissions herein. Bidders should carefully verify all information and make their own decisions as to the accuracy thereof before submitting their bid. The terms of the Contract of Sale are controlling in the event of any perceived inconsistency between its terms and any statements in this brochure or other advertisements. Announcements made at the auction will take precedence over written matters. TN LIC #4513 AUCTIONEER DON HARRIS TNAL #

45 Disclaimer Seller reserves the right cancel the sale prior to the auction. Property will be conveyed by Limited Warranty Deed. The property will sell as-is, where-is with no warranty, express or implied, as to improvements, soil condition, environmental and wetlands, or zoning. Information contained herein was obtained from sources deemed reliable. Although every precaution has been taken to ensure accuracy, neither the seller, Henry B. Glascock nor their agents will be responsible for any errors or omissions herein. Bidders should carefully verify all information and make their own decisions as to the accuracy thereof before submitting their bid. AGENCY DISCLOSURE Henry B. Glascock Company, with Henry B. Glascock as principal broker and Don Harris, auctioneer, is hereby giving notice that they are agents and representatives of the owner/seller of the property described in this property information package. ATTORNEY REVIEW RECOMMENDED It is recommended that all information included in this property information package and all other auction-related material be carefully reviewed by your attorney. Additionally, all terms and procedures are subject to and may be superseded by changes distributed or announced to bidders prior to the auction. The property is being sold on an as is, where is basis with all faults, and seller makes no representations or warranties except for the warranty of title set forth in the Limited Warranty Deed to be delivered to the purchaser at closing. PROPERTY INSPECTION Your complete inspection and the inspection of the property by your professionals prior to the auction are encouraged. Those inspecting the property assume all risks associated with any inspection of the property. Acreage amount and dimensions described herein are approximate. OPEN HOUSE SCHEDULE Saturday April 29 th 12:00 to 4:00 Sunday April 30 th 12:00 to 4:00 Saturday May 6 th 12:00 to 4:00 Sunday May 7 th 12:00 to 4:00 Saturday May 13 th 12:00 to 4:00 Sunday May 14 th 12:00 to 4:00 43