The impact of COVID-19 will be historic. It is affecting individuals, families and small businesses. My guess is that it is affecting you, but we are here to help. Operation HOPE is offering free financial coaching help. That is right, free. Using a network of my employees, volunteer bankers, and financial professionals to help you restructure your life, negotiate your creditors, modify your mortgage, talk to your landlord, help you with the CARES Act, help you with city, state and federal programs, and help you help yourself! Call 888-388-HOPE or go to operationhope.org or download our HOPE in Hand app today. Take this step to take your life back.