For your information and use in business and personal planning and scheduling, listed below are the legal holidays for 2010 as set by New Jersey and federal statutes:#*Friday, January 1New Year’s Day#*Monday, January 18Martin Luther King, Jr.’s Birthday
#Friday, February 12Lincoln‘s Birthday
#*Monday, February 15Washington’s Birthday (observed)# Friday, April 2 Good Friday#*Monday, May 31Memorial Day#*Monday, July 5 Independence Day (observed)#*Monday, September 6Labor Day#* Monday, October 11Columbus Day#Tuesday, November 2Election Day#*Thursday, November 11 Veteran’s Day#*Thursday, November 26Thanksgiving Day#* Friday, December 24Christmas Day# State holiday * Federal holiday** New Jersey Law provides that when a State legal holiday falls on Sunday, the Monday following shall be deemed a public holiday. The law also provides that when a legal holiday falls on a Saturday, the preceding Friday will be observed as a holiday by State employees, and State government offices will be closed. County and municipal offices and schools and their employees are not covered by this provision, although local jurisdictions may opt to similarly close facilities. Banks and other private sector activities arealso not covered by this Friday observance provision.** Federal Law provides that when a federal legal holiday falls on a Saturday, the preceding Friday will be observed as a holiday. Likewise, when a federal holiday falls on a Sunday, it will be observed on the following Monday. Banks, however, are governed by state law with respect to holidays.Special Comment: Rules adopted by the Federal Reserve System have the effect of encouraging (but not mandating) New Jersey banks to be open for business on the three State holidays that are not alsofederal holidays, i.e., Lincoln’s Birthday, Good Friday and Election Day. Because of this and other competitive considerations, you should contact the banks with which you have a relationship to determine their actual holiday and weekend service schedules.