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Letter of Transmittal <br />Village Bank respectfully submits this Proposal for Banking Services in response to your RFP <br />seeking proposals from financial institutions to provide banking services to the City of Ramsey. <br />We welcome the opportunity to provide financial services to the City of Ramsey as outlined in <br />the RFP, effective January 1, 2013. <br />In evaluating Village Bank's proposal, please consider the following: <br />® Village Bank is a community -oriented bank focused on customer service. We strive to <br />maintain and expand upon the many relationships we have built in Anoka County <br />throughout the years. <br />■ Village Bank utilizes various programs available through the Small Business <br />Administration (SBA) whenever possible to assist in our lending process. <br />• Through our "Village Volunteers" Program, our employees are actively involved in the <br />community by donating time and effort at various local charities, including the Anoka <br />County Food Shelf, Toys for Joy, and Alexandra House. <br />■ Village Bank has four full -service, convenient locations located throughout Anoka <br />County. <br />■ Many of our employees reside in Anoka County and actively support numerous County <br />initiatives, as well as businesses throughout the County. <br />Our philosophy stems from our commitment to the communities we serve. We pride ourselves <br />on knowing our customers and understanding their individual needs. Village Bank has proudly <br />operated in Anoka County since 1991. Our owner, Donald Kveton, and his family currently <br />reside in Ramsey, as do a number of our employees. Our Board of Directors live or work in <br />Anoka County, and many have businesses in Ramsey and the surrounding areas. <br />The following individuals are authorized to make representations to the City of Ramsey on <br />behalf of Village Bank. <br />Contacts <br />Randy Diers <br />President <br />9298 Central Avenue NE <br />Blaine, MN 55434 <br />763-398-3579 <br />Bill Rew <br />Chief Financial Officer <br />9298 Central Avenue NE <br />Blaine, MN 55434 <br />763-398-3567 <br />-3- <br />