NEW YORK CORRESPONDENT 
A EW YORK CITY, the money market of the country, is also the 
L « heart of the nation’s business organization. It is well nigh im- 
possible to conceive of a bank located anywhere in the United States 
which would not, on almost any business day of the year, be in con- 
tact in one way or another, with this great commercial nerve center. 
From the standpoint of the banks outside New York, therefore, it is 
essential that a connection with a New York bank be maintained, 
and to the formation of this connection should be given the greatest 
thought and care. 
There are some elements of the relationship that will be pre-as- 
sumed as a matter of course; safety, credit accommodation under 
certain conditions, and the other usual banking functions. But 
within recent years there has grown up an idea of bank service which 
in proportion far transcends these fundamentals. Measured by this 
much broader idea, the term “National City Bank Service” has 
become a familiar and vitally significant phrase in the minds of those 
bankers who maintain a New York connection. “National City Bank 
Service” means not only the performance of those fundamentals of 
banking which are taken for granted by all those who deal with an 
eminently strong financial institution; it means also rendering in a 
wide variety of helpful ways the extraordinary and unusual services 
which only a very large organization has the machinery for providing. 
Domestic Divisions 
For purposes of organization, the domestic work of The National 
City Bank, outside of New York City, is divided territorially into 
anits composed of various states. Each general division is in charge 
of a vice-president of the Bank, assisted by several other officers. 
This system enables the Bank to give the most minute care to the 
interests of its correspondents, since the various officers, by devoting 
especial attention to particular territories, are constantly familiar 
with all those financial, industrial, and commercial conditions which 
may have direct bearing upon a correspondent bank’s business. The 
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