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the contract and structure still makes sense for both parties. It is our goal to keep you as a <br />long time happy customer and we will work together to ensure this happens. <br />• We will be able to provide you with an increased Earnings Credit Rate of .46% as <br />well as earn a rate of return of .05% in a Money Market Savings account. We offer <br />repurchase sweeps, however, do not recommend them in most scenarios due to the low <br />rate of return and the cost of the sweep. <br />• The banking world is ever changing. We want to ensure you know we are a <br />partner who will keep you abreast of the changes so you can rest assured your deposits <br />will always be safe and secure and your cash will be leveraged to give you the most bank <br />for your buck. <br />• Should we earn your business we intend to meet with you on an annual basis (or <br />by request) to review the cash management products and services you have with us to <br />ensure they still make sense. In addition, if we see any product that could benefit your <br />bottom line or create efficiency, we will be sure to bring those to your attention. We want <br />to be an innovative partner to the City. <br />If you wish to contact some of our existing clients to see what they have to say about <br />banking with Bank of the West, we would be happy to provide you with a list of <br />references upon your request. We would like to thank you for your time in advance for <br />considering our proposal. Please contact us with any questions. <br />Sincerely, <br />Joan Wood <br />Vice President <br />Branch Manager <br />Melissa Sutton <br />Assistant Vice President <br />Cash Management Consultant <br />Ramsey Branch <br />14125 St Francis Blvd I Ramsey, MN 55303 <br />Chris Randall <br />Financial Service Officer <br />Ramsey Branch <br />T: (763) 422-1004 <br />® Member <br />LENDER <br />Member BNP Paribas Group <br />