CEO and chairman Steven Schnall (right) and Frank Melia (left), a certified mortgage planning specialist, serve low-income families at Quontic Bank, a missiondriven community development financial institution. I still receive cards and calls from the daughters because we were able to help them get the HECM loan so that their mother could stay in her home. " -Frank Melia, Quontic Bank independentbanker.org Q 63http://www.independentbanker.org