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  4. Edward Bulwer-Lytton, 1st Baron Lytton
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If a good face is a letter of recommendation, a good heart is a letter of credit.

Edward Bulwer-Lytton, 1st Baron Lytton
Heart, Credit, Letters
"Hoyt's New Cyclopedia Of Practical Quotations" by Jehiel Keeler Hoyt, p. 250-52, What Will He Do With It? (1858), Book II. Title of Ch, XI., 1922.
If a good face is a letter of recommendation, a good heart is a letter of credit.