[rcooper]

from FNB Bank to Everyone:
If a bank decides to always use the more precise definition of a business day, do you see a problem in this practice due to the fact that the disclosures would always be provided in the quickest manner.

Answer: Using the precise days all the time is relatively safe, depending on the days the bank is open for substantially all of its business functions. If the bank is open on Sunday or on certain federal holidays those are business days under the General Rule, but not under the Precise Rule. Failure to use the correct Rule might result in a failure to deliver a disclosure by the required date.

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