Monday, January 2	New Year's Day
Monday, January 16	Martin Luther King, Jr. Day
Monday, February 20	Presidents' Day
Monday, May 28	Memorial Day
Wednesday, July 4	Independence Day
Monday, September 3	Labor Day
Monday, October 8	Columbus Day
Monday, November 12	Veterans Day
Thursday, November 22	Thanksgiving Day
Tuesday, December 25	Christmas Day

FNBB, Inc. and its subsidiaries follow the Federal Reserve Holiday Schedule.

*  For holidays falling on Saturday, Federal Reserve Banks and branches and FNBB, Inc. will be open the preceeding Friday.

** For holidays falling on Sunday, all Federal Reserve offices and FNBB, Inc. will be closed the following Monday.