Date
                            January 1
                                January 20
                                February 17
                                April 18
                                May 26
                                June 19
                                July 4
                                September 1
                                October 13
                                November 11
                                November 27
                                December 25
                            Holidays will be designated by the company at the start of each calendar year
* If the holiday falls on a Sunday, it will be observed on the following Monday.
** If the holidays falls on a Saturday, the company will select either the following Monday or the preceding Friday as a substitute holiday, if it is a Federal Day.
*** The bank will be closing early at 3 PM Eastern Time (ET) in alignment with the early closure of banks in Puerto Rico.
*** The bank will be closing early at 3 PM Eastern Time (ET) in alignment with the early closure of banks across the US and Puerto Rico.