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<p class="heading"><b>Payroll Holiday Calendar 2002</b></p>
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<td align="right">January 1 •</td>
<td>New Year’s Day</td>
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<td align="right">January 21 •</td>
<td>Martin Luther King Day (Bank Only)</td>
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<td align="right">February 18 •</td>
<td>Presidents Day</td>
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<td align="right">May 30 •</td>
<td>Memorial Day</td>
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<td align="right">July 4 •</td>
<td>Independence Day</td>
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<td align="right">October 14 •</td>
<td>Columbus Day (Bank Only)</td>
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<td align="right">November 11 •</td>
<td>Veteran’s Day (Bank Only)</td>
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<td align="right">December 25 •</td>
<td>Christmas Day</td>
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<td align="right"></td>
<td></td>
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<td align="right"></td>
<td></td>
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