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Table of Contents <br /> <br />Letter of transmittal <br /> <br />Author~ed Officers <br /> <br /> Account Proposal <br /> <br /> Proposed independence <br /> <br /> Financial Data <br /> Understanding of City of Ramsey Banking needs <br /> Bank Officers at RamseY Location <br /> Scope of Services <br /> <br />Page 1 <br />Page 1 <br />Page 2 <br />Page 2 <br />Page 2 <br />Page 3 <br />Page 3 <br />Page 4 <br /> <br /> <br />