To: All Member Banks and Others Concerned in the Third Federal Reserve District

Attention: Compliance Officer

Subject: 2003 and 2004 Holidays

During 2003 and 2004, this Bank will be closed on all Saturdays and Sundays and on the following holidays:

2003 Holidays
Wednesday January 1 New Year's Day
Monday January 20 Martin Luther King, Jr.'s Birthday
Monday February 17 President's Day
Monday May 26 Memorial Day
Friday July 4 Independence Day
Monday September 1 Labor Day
Monday October 13 Columbus Day
Tuesday November 11 Veterans Day
Thursday November 27 Thanksgiving Day
Thursday  December 25   Christmas Day
2004 Holidays
Thursday  January 1  New Year's Day
Monday January 19 Martin Luther King, Jr.'s Birthday
Monday February 16 President's Day
Monday May 31 Memorial Day
Monday July 5 Independence Day
Monday September 6 Labor Day
Monday October 11 Columbus Day
Thursday November 11 Veterans Day
Thursday November 25 Thanksgiving Day
Note: Christmas Day, December 25, falls on a Saturday. Therefore, this Bank will be open Friday, December 24 and Monday, December 27.