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Grant had, while Mayor of New York, appointed Olcott to the first Rapid Transit Commission, and when he was appointed receiver of the St. Nicholas Bank, Grant called on Olcott and availed himself of an offer theretofore made him by Olcott to be of service to him. He told Olcott that he was very anxious to make a record as receiver, and asked an immediate loan of as much as the assets of the bank justified to enable him to declare promptly a substantial dividend to the depositors. Olcott not only did this, but was so pleased with the manner in which Grant handled the receivership, that he urged him to abandon his railway advertising business. He did so, and took offices next to Olcott and above those of Brady, and became the third member of that famous combination—Brady, the creator of the schemes; Olcott, the financier; and Grant, the expert in political and municipal affairs.

He called Grant into the office. Grant listened most attentively to the proposition, and then said:

“Morgenthau has been too successful to be willing to work for a salary and accept the presidency of a company.”