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Buttonwood Street, Philadelphia, where
Frank Cowperwood spent the first ten years of his life, was a lovely
place for a boy to live in. There were mainly red brick houses there
with small marble steps leading up to the front doors. There were trees
in the street — a lot of them. Behind each house there was a garden with
trees and grass and sometimes flowers.
The Cowperwoods, father and
mother, were happy with their children. Henry Cowperwood, the father of
the family, started life as a bank clerk, but when Frank, his elder son,
was ten, Henry Cowperwood became a teller at the bank.
As his
position grew more responsible, his business connections increased. He
already knew a number of rich businessmen who dealt with the bank where
he worked. The brokers knew him as representing a well-known film and
considered him to be a most reliable person.
Young Cowperwood took
an interest in his father's progress. He was quite often allowed to come
to the bank on Saturdays, when he would watch with great interest the
quick exchange of bills. He wanted to know where all the different kinds
of money came from, and what the men did with all the money they
received. His father, pleased at his interest, was glad to explain, so
that even at this early age — from ten to fifteen — the boy gained a
wide knowledge of the condition of the country financially. He was also
interested in stocks and bonds, and he learned that some stocks and
bonds were not even worth the paper they were written on, and others
were worth much more than their face value showed.
At home also he listened to considerable talk of business and financial adventure.

Frank realized that his father was too honest, too careful. He often
told himself that when he grew up, he was going to be a broker, or a
financier, or a banker, and do some of the risky things he so often used
to hear about.
Just at this time there came to the Cowperwoods an uncle, Seneca Davis, who had not appeared in the life of the family before.

Henry Cowperwood was pleased at the arrival of this rather rich
relative, for before that Seneca Davis had not taken much notice of
Henry Cowperwood and his family.
This time, however, he showed much more interest in the Cowperwoods, particularly in Frank.
"How would you like to come down to Cuba and be a planter, my boy?" he asked him once.
"I am not so sure that I'd like to," replied the boy.
"Well, that's frank enough. What have you against it?"
"Nothing, except that I don't know anything about it."
"What do you know?" The boy smiled, "Not very much, I guess."
"Well, what are you interested in?"
"Money."
He looked at Frank carefully now. There was something in the boy ... no doubt of it.
"A smart boy!" he said to Henry, his brother-in-law. "You have a good family."
Uncle Seneca became a frequent visitor to the house and took an increasing interest in Frank.
"Keep
in touch with me," he said to his sister one day. "When that boy gets
old enough to find out what he wants to do, I think I'll help him to do
it." She told him she was very grateful. He talked to Frank about his
studies, and found that the boy took little interest in books or most of
the subjects he had to take at school.
"I like book-keeping and mathematics," he said. "I want to get out and get to work, though. That's what I want to do."
"You're very young, my son," his uncle said. "You're only how old now? Fourteen?"
"Thirteen."
"Well,
you can't leave school much before sixteen. You'll do better if you
stay until seventeen or eighteen. It can't do you any harm. You won't be
a boy again."
"I don't want to be a boy. I want to get to work."
"Don't go too fast, son. You'll be a man soon enough. You want to be a banker, don't you?"
"Yes. sir."
"Well,
when the time comes, if everything is all right and you've behaved well
and you still want to, I'll help you get a start in business. If you
are going to be a banker, you must work with some good company a year or
so. You'll get a good training there. And, meantime, keep your health
and learn all you can."
And with these words he gave the boy a ten-dollar gold piece with which to start a bank-account.