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[16] son was Samuel, our mother's father, born in Warwick, Rhode Island, May 1, 1786. When he was four years old, the family moved to New York, where the Colonel and his brother established themselves as merchants under the firm name of Samuel Ward & Brother.

The firm was only moderately successful; the children came fast. With his narrow income it was not possible for the father to give his boy the college education he desired; so at fourteen, fresh from the common schools, Samuel entered as a clerk the banking house of Prime & King. While still a mere lad, an old friend of the family asked him what he meant to be when he came to man's estate.

“I mean to be one of the first bankers in the United States!” replied Samuel.

At the age of twenty-two he became a partner in the firm, which was thereafter known as Prime, Ward & King.

In a memoir of our grandfather, the partner who survived him, Mr. Charles King, says:--

“Money was the commodity in which Mr. Ward dealt, and if, as is hardly to be disputed, money be the root of all evil, it is also, in hands that know how to use it worthily, the instrument of much good. There exist undoubtedly, in regard to the trade in money, and respecting those engaged in it, many and absurd prejudices, inherited in part from ancient error, and fomented and kept alive by the jealousies of ignorance and indigence. It is therefore no small triumph to have lived down, as Mr. Ward did, this prejudice, and to ”

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