What do you do after you deposit 50 dollars at the bank on ghost story island on poptropicacom?

After you return the locket to Fiona, the scrapbook shows some of her history. She apparently threw a ring into the town fountain. Go there and use the sardines to distract the nesting seagull. Climb to the top and get the ring, and take it to the Engraver (lot B in the cemetery).