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LIBRARIESPRESERVATION DIVISIONBIBLIOGRAPHIC MICROFORM TARGET\n\n## ORIGINAL MATERIAL AS FILMED-EXISTING BIBLIOGRAPHIC RECORD\n\nReproductions may not be made without permission trom Columbia University Lbraries.              \nRESTRICTIONS ON USE:  \nTECHNICAL MICROFORM DATA  \n35mm9:/IMAGE PLACEMENT:IA  \nIB  \nDATE FILMED:                    4.30-97INITIALS:         照  \nTRACKING\\#:                                                                                              sH35  \nFILMED BY PRESERVATION RESOURCES,BETHLEHEM,PA.  \n## Your Money Will Grow FasterIf You Deposit It Every Month\n\nT gives megreat pleasureto present toyou this copy of“FIVESTEPS TO FoRTUNE\"onthe occasion of theSeventy-ffth Anniaversaryof this Bank's first open-ing for business.  \nExperienced savers know what the first threedays of each month mean to them at the EmigrantBank.  \nThey know it is the only savings bank in thecity which pays interest on monthly balances—sothat there is never a month on the calendar whentheir money-in this bank—is not growing.  \nHere they do not have to wait for quarterlyinterest periods before their money starts to work.  \nMoney deposited on or before the third day ofany month draws interest from the first of thatmonth.  \nThis is an important part of the EmigrantBank's proud record in progressive bankingpractice.  \nIf you are not one of our I99,0oo depositors,then come in and let us explain our unique interestplan.It will make you understand why,for twentyyears,we have been America's Largest SavingsBank.  \nEMIGRANT INDUSTRIAL SAVINGS BANK  \n51 CHAMBERS STREET  \nand  \n43d STREET AND LEXINGTON AVENUE  \nNEW YORK CITY  \nINTENTIONAL SECOND EXPOSURE  \nYour Money Will Grow FasterIf You Deposit It Every Month  \n8  \nExperienced savers know what the first threedays of each month mean to them at the EmigrantBank.  \nThey know it is the only savings bank in thecity which pays interest on monthly balances—90that there is never a month on the calendar whentheir money—in this bank—is not growing.  \nHere they do not have to wait for quarterlyinterest periods before their money starts to work.  \nMoney deposited oh or before the third day ofany month draws interest from the first of thatmonth.  \nThis is an important part of the EmigrantBank's proud record in progressive bankingpractice  \nIf you are not one of our I99,oo depositors,then come in and let us explain our unique interestplan.It will make youunderstand why,for twentyyears,we have been America's Largest SavingsBank.  \nEMIGRANT INDUSTRIAL SAVINGS BANK  \n51 CHAMBERS STREET  \nand  \n43d STREET AND LEXINCTON AVENUE  \nNEW YORK cTTY  \nT gives megreat pleasureto present toyou this copy of“FIVESTEPS To FoRTUNE”onthe occasion of theSeventy-ffth Anniversaryof this Bank's frst open-ing for business.  \n0iupucun   \n。m  \n## Five Steps to Fortune\n\nBy JOHN J.PULLEYN  \nPresident of The Emigrant Industrial Savings Bank  \nTSOhappens that one of the world'srichest men—if not the richest—is a depositor in this bank.  \nTo people who imagine that a savingsbank is used exclusively by small wageearners,this may be surprising news.Thetruth is that an account in a savings bankis an integral part of five important stepsto fortune,and that the wealthiest as wellas the poorest of men discovers that whenyou have climbed fairly high on a ladder,the most unwise thing you can do is to cutaway the foot of the ladder while you arestill standing on the top rung.  \nIn the twenty-five years since I firstbecame connected with the Emigrant In-dustrial Savings Bank,I have had,as youcan imagine,a most unusual opportunityto watch fortunes begin.Some of themhave grown steadily.Others,I am sorryto say,after reaching a certain point haveseemed to disappear into thin air.But inwatching the turns of the wheel of chance,I have literally been forced to certainviews about the accumulation of moneyand the building of financial independence.  \n##    Th","cbCaiihYbxrzTVAc","https://ap.wps.com/l/cbCaiihYbxrzTVAc","pdf",965683,21,"English","# Five Steps to Fortune\n## The Only Savings Bank in New York City","[{\"question\":\"What does the bank claim about monthly deposits and interest?\",\"answer\":\"Deposits made on or before the third day of each month draw interest from the first of that month, so money begins growing immediately rather than waiting for quarterly interest periods.\"},{\"question\":\"Why does Pulleyn argue that thrift becomes more meaningful than usual advice?\",\"answer\":\"He contrasts generic thrift preaching with real life stories—such as a widow needing to live on savings and a working man using his modest account to help save his wife’s life—showing thrift as practical and dramatic.\"},{\"question\":\"How does Pulleyn describe the bank’s relationship to depositors?\",\"answer\":\"He emphasizes that the institution has no stockholders; depositors receive profits from operations, trustees serve without compensation, and depositors come for guidance not only on finance but also on personal matters connected to life problems.\"}]","Five Steps to Fortune | PDF",1789966996,32]