Federal/Bank Holidays

	2011	2012	2013
New Year's Day	January 1*	January 1* and 2*	January 1*
Martin Luther King, Jr. Day	January 17	January 16	January 21
President's Day	February 21	February 20	February 18
Memorial Day	May 30*	May 28*	May 27*
Independence Day	July 4*	July 4*	July 4*
Labor Day	September 5*	September 3*	September 2*
Columbus Day	October 10	October 8	October 14
Veterans Day	November 11*	November 11* and 12*	November 11*
Thanksgiving Day	November 24*	November 22*	November 28*
Christmas Day	December 25* and 26*	December 25*	December 25*

The Federal Reserve will be closed on the above mentioned holidays making them non-processing days. All transactions, including activity through online banking, incoming and outgoing wires, and ACH transactions will be processed on the next business day.

* Indicates the Federal Holidays that THE National Bank is also closed.