There are two types of reward programs one for the individual customer and other for the business customer. You can earn reward points from Wells Fargo Exclusive Reward Program for check card and Wells Fargo Reward Program for check card and credit card in the individual customer section. There are Rewards for Business Card, Business Check Card, Wells Fargo BusinessLine Rewards program for the business customers. On the basis of your requirements, you can enroll in any of the programs. The customer can also use the rewards to help the emergency and natural disaster relief efforts. For this, the customer has to log into the account and select the “Charities” category to receive a Charity Choice gift card. After receiving the gift card, the customer has to visit the Charity Choice website given on the card and choose the preferred relief organization.

A customer earns one point for every single dollar in net eligible purchases (purchases minus returns/credits). All purchases made with the Wells Fargo Business Card gives points including mail and phone order purchases, internet purchases and bills set up for payment using the card. These points expire in three years after they were earned, on November 30. These rewards include cash rewards, gift cards, home and garden objects, electronics, sports and leisure, toys and games, green rewards, travel and special offers.

Cash Back – You can also exchange these points for cash back, but you have to exchange at least 25,000 points to get 1% of the cash back. For a reward point amount less than 25,000, the refunds you will get are less than 1%.

Gift Cards – The reward points can even be exchanged for gift cards. Though, the rebate equivalent will be less than 1% when you exchange the reward points for gift cards.

Online Shopping Portal – Wells Fargo have their own online shopping portal where you can earn extra reward points when you shop with their merchant partners.

Travel Rewards - You can also use these reward points for your traveling. You need a certain amount of points to get a flight within the USA. But it has some common restrictions like Saturday stays and 21 days advance booking.

Other Rewards - These programs have a merchandise catalog where the customer can exchange the reward points in exchange of various merchandise. The customer can also donate these points to charity.

Just go to the website Wellsfargorewards.com and login to your account. You can check the points balance, view the history of your purchase, browse for the available rewards and redeem the reward points. You can call the Wells Fargo Rewards Service Center at 1-877-517-1358 to get the answers to your queries, if any.

Pros

• Exchange reward points for various items
• Earn extra reward points from online shopping malls
• Low interest rates, depending on credit

Cons

• Delayed and returned-payment fees that runs as high as $35
• Difficult to earn reward points at a higher rate

You will easily know about the product that it is from Pier 1 Imports just by looking it as it will be interesting, impressive, and unique. Pier 1 Imports was started in San Mateo, CA in 1962. Now, it operates over 1,000 stores in North America, containing Pier 1 Imports stores in 49 states, Canada and Mexico. It continuously develops the variety of its products as per consumers’ lifestyles and relevant home trends.

Pier 1 Imports Company is devoted to offer clients different home furnishings and décor at a good worth. It provides various products from home accessories such as candles, vases and picture frames to full-sized, upholstered furniture, hand-carved armoires, large-scale vases and eclectic wall decoration. It carefully selects all products to provide its clients’ exclusive, unique product that reflects outstanding quality at a great worth.

Chase provides you Pier 1 Rewards Card account with convenient online features with which, you can pay your Chase bill online, select billing date, change your address, and more. So, sign up for Chase OnlineSM that provides you expedient, 24-hour access to your account; you get instant information about your account balances, charges, payments and benefits of being a Chase card member.

After signing up, you can get benefits of its features such as monitor and manage your account online, maintain your profile, make your credit card a better fit. You can keep an eye on current transactions, pay your credit card bill, dispute fraudulent charges, even set up Personalized Alerts with Monitor and manage your account feature. Update your phone number, e-mail address, or postal mailing address by maintaining your profile. Request a credit line increase, change your billing due date, transfer credit card balances, or choose Paperless Statements with make your credit card a better fit feature.

You can become a Pier 1 Rewards Card member by applying in any Pier 1 store and shopping instantaneously with credit approval. You can also apply online and get your card in about two weeks. You will earn 4 Pier 1 Points for each eligible dollar that is spent with your Pier 1 Rewards Card at Pier 1 Imports. As you collect 2,000 points, you will mechanically get your Pier 1 Rewards Certificate. You can redeem Pier 1 Rewards Certificate for your preferred products at Pier 1 Imports within 90 days.

You can also pay your bill online after activating your new Pier 1 Rewards Card, and visiting www.chase.com/pier1card to enroll with your new account number and get convenient, 24-hour access to your account. After that, you can pay your bill, check your rewards points total, view your account online, and much more.

However, you need to remember that you do not earn points on sales tax, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that defend or insure the balances on your account. You can collect maximum 40,000 points on net purchases per annum.

Planning for retirement is easy by going through pre retirement section. It consists of detailed information about various retirement plans such as:

CSRS Retirement: Only individuals with at least five years of federal service in a position subject to CSRS coverage for one of the last two years before the retirement are suitable to be covered under CSRS plan. Two types of creditable services are provided under CSRS plan – CSRS civilian and CSRS military services. To get the retirement voluntarily on an immediate annuity, the only requirement is: an individual must be of fifty five years with thirty years of service, or of sixty years with twenty years of service or at any age with twenty five years of service.

Benefits: If any employee dies having at least 18 months of service, then annuity benefits will be provided to the individual’s surviving other half and/or children. Children’s survivor benefits are given without any decrease in annuity.

FERS Retirement: This retirement plan provides benefits from three different sources: social security, basic benefit plan and the Thrift Savings Plan (TSP). Two types of creditable services are provided under FERS plan – FERS civilian and FERS military services. To get the retirement voluntarily on an immediate annuity, the only requirement is: an individual must be of fifty five to fifty seven years with thirty years of service, or of sixty years with twenty years of service or of sixty two years with five years of service. Earlier retirement is also possible in this plan with an immediate annuity at age of fifty years with twenty years of service or at any age with twenty years of service.

Benefits: Two from three parts of FERS (the two parts are Social Security and the TSP) can transfer to your next job if you leave the Federal Government former to the retirement. If any person dies as an employee with at least eighteen months of service, then whole sum of benefits will be provided to the individual’s surviving other half and/or children.

The pre-retirement section also gives information on the benefits of the plan for the survivor on the death of any employee covered under the CSRS and FERS retirement plan. And you can always know what’s new in the plan by surfing the official website.

The post retirement section gives information that is useful for retirees and their families.

Important queries like getting your first payment, credit for federal civilian service if retirement contributions are not made, withholdings from interim payments, what you will be getting when the office of personnel management finishes processing your application, how to change your health insurance and life insurance coverage after retirement, how much is the taxable portion of retirement benefits, etc. is answerable by referring the post retirement section.

One of its sub sections “Life Events” give useful information to retirees and their families about the affect of many events such as marriage or divorce, reemployment, death of other half or third party payees, etc. on the retirement benefits.

You can also know, what will be the process of getting the benefits by the survivor in case of death of the employee under CSRS and FERS retirement, child beneficiaries, deceased survivor benefits, student benefits, etc. from the site.

Insurance, an ideal tax saving scheme, is helpful to keep your family financially secure. Along with retirement plans, retirees can have the benefits of various insurances such as life insurance, health insurance, Flexible Spending Accounts (FSA), Long Term Care (LTC) and Federal Employees Dental and Vision Insurance Program (FEDVIP).

Many online services are available for the facility of retirees. Management of monthly annuity, notification of missing payment, reporting of death of retiree or survivor, etc. is possible online. By opening a personal treasurydirect account, one can purchase, manage and cash in I bonds safely.

In addition to these facilities, there are many useful tools like calculators which are capable to figure out monthly Federal income tax preservation and compute the tax free portion of annuity payments. With the help of online Student Self-Certification System, verification of student’s full time high school and college attendance can be done easily. In Payment Schedule, one can find out the last day to make changes in your next payment. You can also get periodic emails from Retirement ListService by creating an account giving required information such as name and email address.

Valero Energy Corporation is one of the most familiar refiners in the federal OSHA Voluntary Protection Program (VPP). A powerful commitment to safety is maintained by Valero. This company is dedicated to provide superiority in occupational protection and procedure security as well as Excellence Management System. Valero was built on January 1, 1980. At present, it has 21,000 employees and it becomes the biggest independent refiner of the world by maintaining a refining throughout capacity of 3 million barrels per day.

Www.valero.com/mycard is fast, easy to use, and best of all is that customers can access it at no cost. If you do not have a Valero Consumer Credit Card at this time, then you can apply for it at www.valero.com/mycard. Card users will be able to manage their account and pay their bill online with Valero Self Serve Online, after getting the card. Card users can select the date of their payment that is due. Customers feel like family with its modified customer service style.

Benefits of the Valero Consumer Credit Card:

• Sensible credit limits and fuel-only options to help you manage your budget
• Flexible Payment Terms: Choose the due date that works for you
• Enjoy personalized customer service from our family to yours
• Manage your account online with Valero Self Serve
• Pay-at-the-Pump convenience

Www.valero.com/mycard also offers promotion, Credit Card Marketing – 30¢ Offer Disclaimers. This promotion is valid from January 1, 2012 to March 31, 2012. As per this promotion, you will be able to apply for 30 cent per gallon gas rebate to each gallon of fuel bought on your new Valero/Diamond Shamrock credit card that contains Diamond Shamrock, Valero, Shamrock stations, and Beacon, for the first 3 billing cycles following the date your Account is approved. Your monthly billing statement will contain your gas rebates.

Existing users can login by entering their user ID at www.valero.com/mycard and pay their bills, view recent activity, and more with Valero Self Serve. New users need to register at www.valero.com/mycard by completing form with their account information; user ID and password; security questions; security key; and accepting terms and conditions.

How to apply for Valero Consumer Credit Card?

Visit www.valero.com/mycard, click on “apply now” option and select from where you heard about Valero. Complete the application by providing required information such name, date of birth, social security number, phone number, annual income, mailing address, driver license number, license state, and submit it.

ALLDATA is devoted to give business tools and support services, factory-correct diagnostic, repair and collision information to the worldwide automotive industry. It works to improve its customers’ business performance. ALLDATA was started in 1986 in direct comeback to an increasing requirement. It is based in Elk Grove, California. AutoZone bought ALLDATA in 1996 to offer the best combination of service & repair information and parts. The nation’s leading seller of automotive parts and accessories, AutoZone has over 4,100 stores in the US, Puerto Rico, and Mexico.

ALLDATA Repair S3000 has been announced by the foremost supplier of vehicle producers’ service and repair information for professional repair shops, Alldata LLC. ALLDATA Repair S3000 is the next generation of the market-leading ALLDATA Repair information product and contains some innovative features that are intended to enhance efficiencies and performance. This powerful, user-friendly online tool is designed for shops of all sizes. ALLDATA Repair S3000 increases technician efficiency and makes client loyalty so its users exactly and resourcefully repair more models.

Features of ALLDATA Repair:

ALLDATA Repair is the faster, easier, and better online tool as well as it is useful for technicians in working accurately and efficiently. Technicians will strengthen customer relations by using ALLDATA Repair.

• Automatic information updates
• Quick, easy component search features
• Professional technical support six days a week
• Year-make-model-engine selections on one page
• Manufacturer TSBs and recalls are updated every day
• Fast, intuitive navigation that is easy to learn and understand
• Parts and labor information integrated with repair information
• Maintenance tables to view service interval data on one screen
• OEM wiring diagrams with connector, ground and splice information

You can buy it online and online delivery keeps users up-to-date. As you log on to www.AllDataPro.com, you will get the most current information as ALLDATA Repair is updated recurrently and mechanically. You will also get very important information as it is released, by accessing to daily TSB updates. Users will get important information from ALLDATA Repair product brochures and resources. ALLDATA Repair white papers offer you important information on various subjects.

If you want to purchase ALLDATA Repair, then you need to fill out its promo sign up form for getting a promotional discount code valued up to $500 off on your next online order. After that, you need to click on the name of the product from ALLDATA products that you want to know. Members can log on at www.AllDataPro.com by entering your logon name, and password.

The Allstate also provides their customers a mind-blowing option of online policy management through their My Account service. This service is intended to stop the hassle of paying bill & managing account via local agent office or through standard mail delivery. By this My Account service, Allstate provides eco-friendly solutions for customers like paperless billing and payment options. It offers fast, secure, convenient and easy access to your Allstate policies 24/7 for paying bills, filing a claim online, accessing up-to-date claim information, setting up automatic payments, accessing and reviewing payments and statements, etc.

My Account service acts as one-stop online policy management center for you so it can save your time and effort. You can access and manage your Allstate policies at any time day or night with only a few clicks. This service will make your online consumer experience even simpler.

How to create Allstate Account online?

• Singing up is a snap!!! It is quick and very simple to register for a My Account which gives an instant access to manage your policy online. For that, just go on the site allstate.com and click on the link ‘Customer Log In’ located in the upper corner of the page.
• To set up your Allstate Account, click on the ‘Register Now’ option and you will be directed to the registration form page. Here you will be asked to provide some information including your name, your policy number for accuracy, last 4 digits of your social security number and your birth date. You may be asked a few additional questions to validate your identity for safeguarding your data. Then you will find some terms and conditions, read it and agree with it, and click on the ‘Next’.
• The final step is a one-time set up of your user ID and password. After that provide your email address and select your personal security question and provide its answer. Once you have completed all this, click on Next, and you will get a confirmation message for completion of your registration.
• Once you get registered, you are on your way to manage your Allstate policies online. Now you can get access to your Allstate policies at any time just by Secure Account Log In using your user ID and password.

How to manage Allstate Account & Billing online?

At the homepage of your Allstate Account, you will find options for getting easy access to features at the top navigation like Payment and Billing History, Claims and their Status, Policies, Documents like how to order automobile ID cards, and Resources relating to other Allstate products like Auto, Property, Life/Retirement, Power Sports, Business and others.

As well, Allstate provides the contact information of both your primary and life policy agents, and the information about customer service at the right hand side of the homepage of Allstate Account.

Here you will be able to see all your policies in one place, whether it is auto insurance, life insurance, homeowners insurance, business insurance, renters insurance or any other insurance. It provides at a glance view of due date of payment for your each policy, as well the date of your automatic payment if you have scheduled it.

In the opposite to each of your policy, you will find an indication ‘Select’ which offers options such as Make a Payment, View Policy Details, Update Policy, Change e-Bill, Change e-Policy, Request Auto ID Card and File a Claim.

Make a Payment

• Allstate Account provides flexibility for making a payment on your policies at any time, day or night. Choose Make a Payment option of your policy on which you want to do payment. Firstly you will be asked to select the method of payment. My account accepts debit cards, credit cards, ATMS and direct withdrawal from your bank account for your convenience.
• There are two options for your payment; one is Automatic and the other is One-Time method. Automatic payment from bank account is done by Allstate Easy Pay Plan (EFT) at a lower installment fees as well as up to 5% premium discount on some policy types. Automatic payment via Credit Card is done by Recurring Credit Card Pay Plan which charges your credit card automatically, so you will not miss a payment. You can pay your premium quickly on time through One-Time method by using your credit/debit card, or else via direct withdrawal from your bank account.
• After the selection of payment method, you have to choose the amount option for paying your premium; you can select to pay the full premium, minimum payment, or else designate a specific amount. Then you will be asked to provide some details of your bank account or else your credit/debit card.
• An option Enroll in Automatic Payment Plan will be provided, select it if you want to do automatic payments for your convenience. With this plan, you will be able to pre-authorize payment of your insurance bills on the date, which best fits your budget and schedule. If you had selected it, then decide posting date and payment frequency.
• Agree to terms and conditions, and that’s all. Confirmation of your payment information will be provided immediately, both onscreen and through email. You can keep a copy of those confirmation details.

Online Billing

• With the Allstate Account, you can also view your bill online using e-Bill. By enrolling in Allstate e-Bill, you can handle your bill from your My Account inbox, rather than your mailbox.
• Use Allstate e-Bill service and:
  • Access your bills more simply
  • Receive an email that lets you know the time to pay your bill
  • Lower the odds of identity theft or fraud
• What you have to do is choose the “Enroll in Allstate e-Bill” from the billing option at the top navigation of homepage of your account. Then select the policy or policies for which you want to get an e-Bill. You will be asked to verify your email address, agree to terms and conditions, and lastly verify the details you entered….that’s all.

You can choose the View Policy Details for checking out complete and detailed information of your policy and you can also update it by selecting Update Policy option. As well, Filing a claim for your policy is possible, and after filing you can view the status of your claim. Change e-Policy option is offered by using which you can modify your insurance coverage, deductibles and limits.

Benefits:

• Access & manage your policies online at any time, day or night
• Make payments of your insurance-related bills
• Set up automatic payments
• Access and review payments and statements
• View and update your policy online
• Get paperless billing with e-Bill
• Manage your contact preferences
• File a claim online
• View the status of your claim & access up-to-date claim information
• View, save, file and print your documents from the previous 24 months
• Search for coverage information or terms easily and quickly
• Modify your insurance coverage, deductibles and limits
• Get access to useful tools, tips and other resources
• Offers fast, secure, convenient and easy to use service
• Registration process is very simple & rapid

Get the experience of Amtrak.com and take advantages of the special deals and promotions available. Many special offers are available on the website like limited-time offers, weekly specials, California and USA rail passes, daily discounts for the AAA members, children, seniors, military, students and much more. Even if you don’t have a travel destination in mind, just check out what the Amtrak Vacations and tour packages offer. Amtrak can take you anywhere whether it is a big city, a small town or some place you can only see by a train. Your train travel becomes greener and cozier with Amtrak as compared to a flight.

If you want to book a train ticket online, go to the home page of Amtrak.com, enter the name of stations (from, to), the date and time of departure, and number of passengers (adults, children, infants). Click “Go”. If trains on the given route are available you will see all the details regarding the departure and arrival time. You can also buy rooms to stay or use other facilities available. Through the website, you can also check the status of your train, whether it is on time or not. You just have to click the “Status” button on the home page and enter the date, time, train no. and the name of stations and click the “Go” button. You will get the status with the actual and estimated time of your train. To check the schedules of the train, click the “Schedules” button on the home page and enter the date, time and the name of stations and click the “Find Schedules” button. You will see the departure time, arrival time, connection (whether the train is direct or not), duration and route of the train. From here, you can also download the printable timetables. Click “My Trip”, enter your reservation no., email address and phone no. to get the details of your trip.

Click on the “Timetables” button to get the timetable of each and every route with name, region, major cities served by the route. Here you can also get printable timetable in PDF format for each route. To know the name of your nearest station, click “Stations”. Then, enter the city, state and zip code, and click “Search”. You can also find the name of station by just entering the station code. To get the full list of station names, click “Station List”. While planning for a vacation, Amtrak.com helps you to make your train travel easier. It will arrange the train tickets, hotel rooms, car on a rent, sightseeing and much more. You can just sit and enjoy the journey.

To get your best experience from Amtrak, start planning your train journey, book your ticket, reserve a room in a hotel, get a car on rent, buy travel insurance, familiarize yourself with the station and train facilities. Amtrak.com helps you with the planning and booking for your train travel.

Ford Motor Company, a leading car manufacturer across the world has created a website to help their employees to manage their benefits throughout their life. The site has also an online orientation which helps to understand the features and how to use these features on the site. At the site, you can view the following sections like: login, home, savings, personal information, pension, health and welfare. Just users have to ensure that their browser has installed Adobe Flash Player. To go through each page of the site and be familiar with the information for getting benefits, use the buttons provided on the page.

MyFordBenefits.com provides personal information in one page, including dependents and beneficiaries. “Choice” page help you decide how to navigate. At the site, you can register for “forget your pin?” and set Site Preferences. As well, get a snapshot of your accounts and funds. Under Saving navigation, you can select the plan you want to view.. or use the drop-down menus. You can get a quick overview of your current benefits. Resource materials section gives detailed information including plan guidelines, helpful calculators, glossary, FAQs and more! For more important information, you can check your inbox.

First time users have to provide their social security number as User ID and date of birth in MMDDYY format as password. By logging in, the employees of Ford can obtain information about their benefits that they acquire by working for the company. Workers can get the benefits of access to social services portal for Ford. Once the user opens the benefits page, they can go through the “Documents and forms” link to read the instructions about the various options of investment and apply for the selected investment product.

After logging into the site, user can also access savings plans including stock investment, pension plan and health benefit information. The savings and stock investment plan (SSIP) is a defined contribution plan where users can decide how much of base pay they want to save and how they want to invest. The blend of funds will depend on user’s retirement age and their risk attitude. Health and welfare screen lets user to look at their coverage details, including their medical, dental and life insurance benefits. If you are a current employee of Ford, then login at www.myfordbenefits.com to get your Ford benefits.

Pros:

• Easy to use
• Register for “forget your pin?” and set Site Preferences
• Ask a question with Contact US
• Get a snapshot of accounts and funds
• Provides quick overview of current benefits

Michigan government and Unemployment Insurance Agency offers an online service for filing Michigan unemployment benefits at the website www.michigan.gov/uia. You can file online unemployment claims in between 7:00am Monday to 7:00pm Saturday. However, the eligibility criteria are very strict for receiving those unemployment benefits.

There are two ways for filing unemployment benefits; one is via internet and the other is via telephone.

How to File an Unemployment Claim Online?

It is not much complicated process to file an unemployment claim online. The filing process can approximately take up to 45 minutes depending on the numbers of questions asked by system to process your claim, on the accuracy of the your current information, and on your connection speed. There are two types of claim; 1) A NEW Claim, 2) An ADDITIONAL Claim.

Eligibility requirements for unemployment benefits

• You can file a NEW Claim if
  • You are unemployed and actively seeking a job
  • You have employed for minimum 24 weeks
  • You employed in previous 18 months under at least 1 Michigan employer
  • You employed only in the State of Michigan in previous 18 months
  • You have not filed an unemployment benefits claim in any other state in the past 1 year
  • You did not employed under more than one Social Security Number in previous 18 months
• You can file an ADDITIONAL Claim if
  • You desire your claim to start with current week
  • You already have an in-use Benefit Year with a payment balance

Information required for filing a Claim

• Identification requirement
  • Social Security Number
  • Driver’s license or State ID number or MARVIN PIN (Personal Identification Number) from a previous claim
  • Your Alien Registration Number and your work authorization’s expiration date, if you are not a citizen or national of the US
• Information related to work history during past 18 months
  • Name and addresses of each employer you worked for
  • Dates of employment
  • List of your wages paid by the employers
• If you choose Direct Deposit for your payments you will require:
  • Your bank Account Number
  • Routing Transit Number of your financial institution

Step-By-Step process for filing a Claim

If you fulfill all the eligibility & information requirements stated above, then visit the Michigan unemployment benefit website michigan.gov/uia to file an online unemployment claim.

Click on the link ‘File Online’ and you will be forwarded to new page, here you will find the option “Begin Filing”, click on it. Then read the terms cautiously, and after selecting from agree or disagree option, click on ‘File a Claim.’

You will be asked to fill the identification information, just complete it and click on “Proceed.” After that you will be asked a series of questions based on your responses in order to complete your claim. The application process can take up to 45 minutes depending on accuracy of your information and the speed of your Internet connection. The application also provides assistance for current question at the left top of the screen.

Submit your claim by selecting the ‘Proceed’ button when the system notifies you that you have finished the application.

After submission, wait for a confirmation page to get your confirmation number which is evidence that you filed a claim. The system will not accept your application until you see the confirmation page. Note down your confirmation number or print the confirmation page.

There are two options for Benefit payment; one is Debit Card and the other is Direct Deposit into your savings or checking account. The system will ask you to choose one method to receive payment, and after selecting it wait for a confirmation of payment method selection. Your claim will be effective by means of the filing week.

After filing the claim, must register your resume application at the Michigan Talent Bank online and it will be verified by Michigan Works Agency Service Center. Do this at minimum 2-3 days before your 1st call-in for payment.

After about a week of filing the claim, you will get a letter stating the benefits you will be given and for how many weeks.

To claim weekly benefits, must log in or call to MARVIN (Michigan’s Automated Response Voice Interactive Network) at your assigned time and day on every two weeks. The assigned day and time will be given to you during your application process.

You will get your claim weekly, after approval of your benefits. Currently, the utmost limit of Mi unemployment benefits is limited at approximately $400 per week. If you want to keep receiving the benefits, then report bi-weekly at MARVIN.

How to File an Unemployment Claim by phone?

Filing for unemployment benefit claim can be done by phone from anywhere in North America or Michigan. The eligibility, identification and information requirements are the same as required for an online claim. You can call on toll-free number 866-500-0017 for filing a new claim or else on TTY number 866-366-0004 for reopening an established claim. There is a requirement of touch-tone telephone for filing a claim by phone.

Schedule for Call-In

The time and day for filing via phone can be determined on the basis of last 2 digits of your Social Security number. For instance, if last 2 digits of your Social Security number is 20, you would call on Monday afternoon. You can determine the scheduled time for your Social Security number by preferring the table given below.

If you are not able to call at the scheduled time and day, there are open call-in times available for you; Thurs & Fri from 8:00 a.m. to 4:30 p.m.