Marty Heires
Marty Heires
benefit consumers help local lower prices
The way it will benefit local consumers is this will help us lower prices for our customers.
customers form lower pay realize return savings
We would like to pay our own bank, and then realize those savings so we can return that to our customers in the form of lower prices.
bring businesses competing existing figure happen hard lower maybe offer products quite town
What you see happen when Wal-Mart comes to town is we bring substantially lower prices, and the businesses that are competing head-to-head with us have a hard time. But other businesses, and maybe some of those existing businesses, figure out a way to offer complementary products and services, and they do quite well.
anyone appear explain opportunity welcome
We welcome the opportunity to appear before the FDIC and explain what we want to do to anyone who is interested.
bank discuss industrial meets merits welcome
We welcome the opportunity, during this hearing, to discuss the merits of our industrial bank application, which we feel meets all regulatory requirements.
We see a lot of unjustified Wal-Mart bashing.
bank centers credit money pay payment process
We want to pay our own bank to do what we pay money centers to do now, which is to process debit and credit transactions to payment networks.
cannot company officer protection release rely sign
Coughlin as an officer of the company cannot fraudulently sign a release and then rely on the release for protection from prosecution.
bill effect intend
This bill would have no effect on us because we do not intend to branch-bank. We have pledged not to branch.
groups moment number
A number of these groups are seizing the moment to go after Wal-Mart, and that's kind of part of our world these days. But not a lot of what they have to say is really germane to the application.
bankers branches charged community open simply
Many community bankers have charged that we are going to open branches around the country. That simply isn't true.
customers pleasant serving technology utilize
Serving our customers is what it's all about. The idea is to utilize technology to make our customers' experiences as pleasant as possible.
company direct knowledge maintained official senior workers
As we have maintained all along, no company senior official had any direct knowledge that undocumented workers were working in our stores.
bank customer floor office operate proposal sixth small
It is really something that the customer won't see. Our proposal is to operate a small bank that will be housed in a sixth floor office suite.