Reaching and serving a racially and ethnically diverse population is a hot topic wherever consumer marketers gather. The reasons are in the numbers.

Multiculturalism was the subject of the keynote speech at the American Bankers Association's national bank card conference in September. Thomas G. Exter, president of TGE Demographics Inc. of Ithaca, N.Y., said minority groups in the United States are growing six times faster than the nonminority population.

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