Where were they when Mr. and Mrs. Gomez or Mr. and Mrs. Garcia were being charged $40 to wire $100? Where were they when the mortgage companies were charging folks the maximum allowable interest that the laws provide for? Where were they when people were having to spend 10 to 15% of their payroll check just to cash the check. It is not enough to come out and say, 'Here we are. We've hired Jose. He is our Hispanic guy, and so, therefore, you need to trust us and patronize us.' Our entire foundation is built on the promise of dignity and respect in every single relationship,

Carlos Montoya