Our guests are Clifford King and Dorothy Curtis.  Mr. King is a Mortgage Broker and is President in the Community Development Department at the Dollar Bank with 22 years experience.  He is a graduate of Central State University in Wilberforce, Ohio and is a Charter School Board member.  Ms. Dorothy Curtis is the Vice President in the Community Development Department of Dollar Bank.  In that capacity, she is responsible for developing, implementing and administering all aspects of the Bank's Community Reinvestment Act (CRA) Compliance Program in the Ohio market.  She also establishes and maintaines relationships with community based charitable, non-profit and government entities and officials, develops and implement programs to ensure the Bank meets the needs of the community.  Including her role as Vice Presidnet of Community Development at Dollar Bank, Dorothy has acquired over 20 years experience in finance and education.  She is also a graduate of Central State University with a Bachelor of Science degree in Business Administration.  Both of our guests are colleagues, have a common interest, work as a team as Bankers, Community Leaders by building healthy communities, and have great knowledge and skills.  These great leaders help strengthen community capacity to identify opportunities through their work in Community Development and their decision making process.  Our guests will empower this listening audience with education on the importance of maintaining credit and home mortgage shopping.