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HORACE MORRIS, Cashier.      
GEO. A. SCHAEFER, Ass't Cashier.
NATIONAL SAVINGS BANK.
BRANCH OFFICE
National Freedman's Savings and Trust Company,
No. 89 N.W. Corner Third and Walnut Streets.
Louisville, Ky., Dec 15 1871

Maj Genl O.O. Howard,

Dear Sir,
I have been informed that H.H. Ray Agent of the Bureau for Kentucky has tendered his resignation to take effect Jany 1. 1872 and that his successor has not been appointed.

If such is the case I cheerfully endorse P.J. Overley Esq (at present confidential Clerk) as a gentleman, in my opinion fully competent to discharge the duties of the office with satisfaction to all concerned.

Very respectfully 
Horace Morris