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Finance Survey 2023. In the late 1870s, a woman named Sarah Howe started a bank called the Lady's Deposit Company.

Customers at the Lady's Deposit were given a book with the bank's rules printed inside.

It read,

The ladies deposit is a charitable institution for single ladies, old and young.

Sarah Howe didn't advertise her bank in newspapers.

She asked new customers to tell their friends. So she started off with word of mouth advertising and got people to, you know, bring somebody else.

We were right at the very beginnings of the Industrial Revolution.

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