Driving the Cbus

We welcome Jordan Helman as our guest on the podcast, to celebrate the official opening of High Bank Distillery Co.'s new Gahanna/New Albany (OH) location on 5/18/22! Intentional is the word that comes to mind when referring to High Bank Distillery and its growth process in Columbus, and it also explains the core beliefs of two men whose friendship evolved and resulted in this successful distillery and restaurant. Jordan Helman and Adam Hines believe in purpose, and as the original founders of High Bank, they admit that every step of their journey has been well thought out and built on an uncompromised approach. The High Bank story starts with Jordan and Adam’s friendship and joint business dealings between Adam’s business, States of Design, and Jordan’s business, Zest Juice Co. As they began talking about a combined, new business venture featuring whiskey, two new partners were added to the “founding fathers” – Calvin Jones and Jeff Ireland. The four founders were all Columbus residents and very familiar with the current offerings of the local beer and whiskey scene. The founders were confident that there would be room for their new spirits in the market, so they dedicated their skills to designing a distillery and restaurant that would focus on each ingredient for each specialty that was served, whether alcohol or food. They believed this would set them apart and this intentional approach would end up leading to the inspiration for their name – High Bank! According to their website, “When Ohio forged plans for the state capital, the area is known as Franklinton, was a primary consideration due to its close proximity to the water and pre-existing infrastructure. After much consideration, they concluded the risk of flooding was too great. On February 14th, 1812, the state legislature accepted plans to lay out the capital, now known as Columbus, on the High Bank, opposite Franklinton, at the fork of the Scioto and Olentangy rivers. We take the same uncompromised approach when selecting each ingredient to create every plate of food, crafted cocktail, and bottle of High Bank spirits.” Much like the cautious planning of Columbus’ founding fathers, these gentlemen have been committed to slow, intentional and organic growth. Their ultimate goal is to do this while being devoted to community partnerships from purchasing local coffee to sourcing Amish produce. They are also proud to serve beer options from Columbus neighborhood breweries that additionally offer a circle of support that has continual returns - breweries are some of their best accounts to buy from and sell to. With a business model that relies on the safety of the “High Bank” through thoughtful and purposeful actions, there is potential for growth and expansion, but again, with an intentional pace. The discovery process began in 2014, they opened the distillery/restaurant in 2018, and they are just this year expanding to a second location in Gahanna after a very successful original location in Grandview fulfilled their expectations. The Gahanna location is slated to open in May. According to Jordan, “We have so much growth left in the state of Oho, and our goal is to become the most well-known distillery in the state and to put Ohio on the map from a distillery standpoint.” In 2021, they were voted home of the best-blended whiskey in America by the San Francisco World Spirits Corporation. The restaurant was also awarded the Best Creative Cocktails in Columbus by 614 Columbest for three years running. With product in 180 of Ohio’s 480 liquor stores, they feel that some of their recent awards will spur continued growth including brand recognition. Heartland was proud to partner with High Bank recently to guide them through their expansion. “We wanted to get with a smaller bank that valued our business more and believed our story because we want to grow. We need a partner who believes in what we are doing as a business and can see not just the pa...

We welcome former Ohio State University Buckeye basketball great, radio sports broadcaster, and entrepreneur Ron Stokes. Ron talks a bit about what it was like to be a part of OSU basketball during his time on the team. So when you go there to play basketball, you're definitely going to be looked at and watched. Every day you're on TV, you're on the radio. And so you have to make sure that you're taking care of your business, right? Make sure that you're doing what you need to do as a student-athlete. And you don't want to do anything to embarrass mom and dad back home. So you had to really make sure that you're doing the right thing. Heartland Bank, with the help of Ron, jumped on the NCAA's commitment to allow name, image, and likeness opportunities for student-athletes. As Ron states... I'm excited that there's a number of athletes who are taking advantage of that all over the country and specifically Ohio State (University). Everybody wins in that if it's done the right way. As a student-athlete, Ron was lucky to find a very effective mentor. He talks about how that helped him to become an entrepreneur and why he is doing the things he's doing today. Doug Simson, from First City Bank, gave me some guidance in terms of what I needed to do and my development not only as an athlete but as a person. This set the foundation for what I'm doing today. Because as a business owner, a great banking relationship is one of the most important things you need as you grow as a business. 2022 will be Ron's 25th anniversary as an Ohio State University Basketball on-air radio analyst. He learned early on as a student-athlete that you're going to have to talk to the media. So it comes naturally for him to "talk and articulate my thoughts." After he graduated from Ohio State, the station (WBNS Radio) called him and asked him to do some interviews from time to time. That led to pre and post-game positions. And then ultimately they offer him the position to be the analyst. He took it and "I haven't looked back." Ron is the President & CEO of Three Leafs Production, Inc., and Vice President of Operations at LARS, LLC. He's proud to have his family intertwined in the business. We had what we call family board meetings, where we would sit down at a table and have real discussions about life and supporting each other and whatever. And so once we were looking at creating LARS, we sat down with the kids and asked would you like to be a part of this? And they all said yes, and that's how it all started. So we have regular board meetings with that company. And they are actively involved with the decision-making. And it's really exciting. What are some of the headwinds that you're facing in your business within Three Leaf Productions and LARS? You have to evolve your business to make sure that you're still relative. And then you can bring value propositions to your client. So I think the biggest challenge in any business, and especially ours, is that we got to continue to evolve, continue to find ways to help our clients, understand our customers, and make sure that we're bringing value to them. What would you say to people out there who are early in their career that maybe don't have a mentor? Try to get around people that have the same goals in terms of wanting to be successful. Not that you're judging anyone, right? But you want to get around people who want to be successful. And people who get excited when you're winning. Ron is now into his second year as a Heartland Bank board member in 2022. He and his businesses are Heartland Bank customers, and when he had the opportunity to be a part of it in a bigger way, "I was just so excited." He speaks about his goals as being a bank board member, including... I was very fortunate because my first mentor was a banker. Sure. So I already had a banking relationship, but there's a lot of small businesses, especially diverse companies that don't have those relationships.

We were fortunate to speak with LPL Financial's Ryan Detrick just prior to his annual Economic Forecast & 2022 Outlook Luncheon, presented by Heartland Bank. This year he spoke at a luncheon in The Exchange in Bridge Park. Ryan talks about his career journey, moving from accounting to finance, and from Western & Southern Financial Group right out of college, then to various companies to now LPL Financial. What did he learn about himself? Just have faith in yourself. You know, at the end of the day, who's going to believe in you yourself, right? And I've always just kind of had this attitude that if I do what I should do, if I treat people the right way, if I, if I go through life and enjoy what I'm doing, it's all going to work out. As a whole, the United States' net wealth is healthy... The truth is net wealth in our country is at an all time high of nearly one hundred and fifty trillion dollars. A lot of that is because our houses are all worth twenty, twenty five percent more than they were just 18 months ago. Even though we are seeing some great news in the financial world, keep doing the right things with your investment portfolio... The time to prepare for the storm is not during the eye of the storm. It's before the storm comes right and markets are volatile. Economy can be volatile, so get those plans in place because again, it's the way we're wired. We make bad decisions at the worst possible time. It's just the way our brains are wired. So to have a plan in place. If you watch financial channels like CNBC or Fox Business Network, you've probably seen Ryan on camera quite a bit. He talks about his experiences with prepping for interviews, and how professional the hosts are. Ryan reflects on how technology, specifically Twitter, is a product of how he built his career. And how it can be positive and negative at the same time. Now you have to leverage technology and it's a wonderful. I joke my last three jobs I got because of Twitter, and it's kind of true. I mean, it's all on there. I mean, there's my resume, you know, LinkedIn and Twitter as my resume. Thanks to Ryan we get a good picture of what to expect this year. He is always a good advocate for investors, Heartland Planning Associates, and Heartland Bank. And check out LPL Financial's Market Signals Podcast featuring Ryan - The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank, and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way. Disclaimer: The opinions voiced in this show (program) are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult with your attorney, accountant, and financial advisor or tax advisor prior to investing. Securities are offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured. These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

We welcome Kevin Crowley, the owner of The Lox Bagel Shop, as our guest. Right now, they have one location in the Short North. He went to the Culinary Institute in New York City. From there he brought that skill back to Columbus, where he met his wife and they have two young children. As a restaurant entrepreneur, Kevin talks in-depth about how you have to have an irrational belief in your concepts and your people. You have to block everyone else out and just go. How did Kevin get interested in cooking? I grew up in the era of the transition of PBS television shows into the Food Network, where you saw Emeril and sort of the evolution of the celebrity chef. When I came up to Ohio State for undergrad, I started working in restaurants and immediately realized that I loved it and this was my calling and started not going to school and started going to work a lot more, eventually dropping out going to the Culinary Institute of America and New York. From there I traveled across the country working in different restaurant jobs. So why bagels? My wife went to Miami University, in Oxford, Ohio. Anybody that's from there knows Bagel & Deli Shop. She offhandedly said, Why don't we do a bagel shop one day? And I and my massive ego at the time was like scoffing at the idea, How dare I not use all the technique or skill that I learned to do something as low brow, at the time in my head, as bagels? But, seeing this sort of resurgence in Jewish deli food and artisan bread and the carb movement sort of going away a little bit, we ended a couple of wonderful restaurants. We could tie our skills and technique that we've learned into something that's very approachable. His thoughts on the team he has built. The rest of the team came together pretty organically through connections. Probably 60 percent of them were still with us today, pushing three years later. I have crazy talented people that are ready for more and it's my job to provide that for them. I genuinely believe if you see a good person come through your doors, no matter where you are in your business, you need to bring them on board and get them into your circle. Because that's only going to push everything forward for you in the long run. And Kevin's advice to young entrepreneurs. Take the leap. I told friends and family that I was like the guy standing at the edge of the cliff, just waiting for somebody to push me over the edge to do my own thing. If I could give my younger version of myself advice it would be move faster, go quick, make the mistakes, learn from them, and pivot. And you know what? Fail fast. You know, just keep pushing. The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank, and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way.

"Done is better than perfect." Randy Malloy has lived by that mantra unwittingly for most of his existence. Sometimes you just have to get it done. WWCD Radio has gone through numerous changes over the past few decades. The format has remained the same, but most noticeably to the listener, frequency changes on the FM dial. Randy talks about this, and more about being an entrepreneur, the importance of local business, and how important local radio is to the local business community. On the spray paint branding video to announce the move from CD102.5 to CD92.9... When we moved from 102.5 to 92.9, I literally had three weeks. And so I kind of reached back into the guerrilla marketing playbook that sits on my shelf. What are we going to do to differentiate ourselves from what it was? Let's just brand it this way. And I literally thought of the idea, grabbed a can of red spray paint. I said grab the video cameras and videotape doing it. Randy's thoughts on being local and how Columbus supports local... We've been lucky. We've been lucky for the fact that Columbus is very supportive of the local community. I think the idea of shop local, rock local, be local, think local, all those things work so well in Columbus because it still has that community feel to it. Even though it's the 10th largest, 12th largest city in the country, it still has a good community feel to it. Randy's heart and soul are all about local radio... Radio as a whole...people sort of underestimate the power of it. And when we said we're going off the air, it really was interesting to see the outpouring of support from people that had been listeners, were listeners, wanted to be listeners. What's happening? We had about a million interactions from social media, to handwritten letters, and phone calls and faxes. I still have lots of fight left in me, and this is something that matters. And then to see this outpouring of support, that really helped cement that. The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank, and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way.

We're really privileged to have Cameron Mitchell, Founder and CEO of Cameron Mitchell Restaurants, the CRM Group on this episode. And he is no stranger to anyone in central Ohio. And now Cameron Mitchell Restaurants are breaking out on the national scene, with restaurants from coast to coast. We're going to hear more about his success, his origins, where it all came from, and some of the challenges that they have in the restaurant industry today. And we'll get Cameron's take on the 10 most controversial restaurant policies. Cameron Mitchell Restaurants (CMR) will be celebrating its 30th anniversary in 2022, and Mitchell has enjoyed success as a lifelong entrepreneur, accomplished businessman, culinary expert and nationally recognized restaurateur. Cameron has been a much-needed voice for the industry, pushing for PPP loan amendments for the hospitality sector, being appointed as one of 18 CEO’s on Ohio Governor DeWine’s Economic Recovery Task Force, collaborating with the Cleveland Clinic to create a company-wide safety protocol, writing op-eds for national hospitality trade publications, and appearing on national television representing not only CMR, but other independent restaurant companies. With an entrepreneur’s energy, vision and passion, Mitchell’s sights are set on the development of new restaurant concepts, and the expansion of concepts currently in his company’s portfolio, particularly Ocean Prime (known in Columbus, OH, as Mitchell’s Ocean Club). Plans include the continued introduction of this concept in major metropolitan markets throughout the United States. Among his service to numerous local charities and committees in Columbus, Ohio, where he lives with his family, is his dedication to The United Way, Nationwide Children’s Hospital Foundation, and the Columbus State Community College Foundation. Cameron chaired the capital campaign, led by his $3.5 million donation, towards the newly opened Mitchell Hall, a $40 million, state-of-the-art Hospitality Management and Culinary Arts School at Columbus State. He is also an active member of the Young President’s Gold Organization, the Columbus Partnership, and he serves on the board of directors of the charter school, KIPP Columbus. The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way.

Greg Ubert is the Founder and President at Crimson Cup Coffee & Tea. After a short promising career in Chicago, he considered many opportunities. But, in the end, specialty coffee was his answer. He decided his mission would be to blend and roast a better cup of coffee. He moved home to live with his parents in Columbus, Ohio while he got his fledgling business off the ground. Why Columbus? He saw some great opportunity to grow his coffee idea, plus Columbus was attractive as a city to raise a family. And he has always done what most have considered a little crazy. People do look at me strangely. And that's kind of normal for people who are thinking outside the box. And it's certainly something that I've learned that if I don't get a strange look, I know I'm not pushing the envelope. He named his new business “Crimson Cup,” both for the ripe red berry of the coffee tree and in honor of Harvard’s (his alma mater) official color, crimson. What ultimately has made his business different from others is his focus on the relationship chain. So that's why we got into teaching and training. That's one of the things we do really, really well at Crimson Cup. We teach and train our customers how to be successful. It's pretty simple. If they're successful, we're successful. And so that's why we put so much into the training. Greg took the next logical step and wrote a book, Seven Steps for Success: A Common-Sense Guide to Succeed in Specialty Coffee. Reading it is still the first recommendation Crimson Cup gives to people who are thinking about starting a coffee house. It’s now in its third printing, and is used as a template for coffee house owners to maximize their coffee house businesses and avoid costly mistakes. We could have signed up a whole bunch of independent coffee houses. We only work with about 5 percent. And the reason is because we want to make sure that they're the right fit. Because one of our core values is having fun. Additionally, his true passion is helping the coffee bean farmers. They work with farmers on three different levels. Environmental - to make sure that they're treating the environment right. Social - most communities that they go into have a lot of need. Economical - they offer their farmers contracts to grow and harvest better beans. If they make a better coffee (with Crimson Cup's help), they're going to pay them more for it. So how did Greg come to start banking with Heartland Bank? His board advised him to "find a bank like you." A bank like me. I've never heard that before. But it's interesting. And I did some interviews and certainly found Scott, and he was right on target. Crimson Cup has offered great international opportunities for Greg and Crimson Cup. Because establishing relationships around the world is awesome, because most people are truly wonderful. The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way.

Our new season brings changes! As the initial creator of Heartland Bank’s Diving the Cbus, Kailyn Bucklew (McComb) remains actively involved in the development and continuation of the series. She is a co-host with her father, Scott, in addition to her duties in the Commercial Banking division. After graduating from The Ohio State University and beginning her career at Heartland, Kailyn started her “life” which includes her fiancé who also is a Heartland associate, a farm with many animals and a garden that she plants from her greenhouse seedlings. In her spare time, you just might catch her listening to legal commentary or offering eggs to friends at the bank. But Scott's still with us on each episode, as always. Scott McComb is the Chairman, President and CEO of Heartland Bank. Scott commits a portion of his time to co-hosting Heartland Bank’s Driving the Cbus to maintain his commitment to spreading the “wealth” – and by wealth we wish he meant the actual green stuff – but he really just loves to share his financial knowledge and the business acumen of local professionals. During his out-of-office hours, he recently achieved his Bareboat Sailing Certification that allows him to skipper 60 ft. sailing catamarans. As a graduate of The Ohio State University, Scott is deeply entwined in the community, but realizes that as the bank grows, his influence and reach should grow too. What better way to do that than with a podcast! Get ready for some great interviews coming your way over the coming months. The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way.

Laurie is our guest again, and we cover how Heartland Bank can help your business with the process of applying for the Paycheck Protection Program. The CARES Act established a new $349 billion Paycheck Protection Program. The Program is providing much-needed relief to millions of small businesses so they can sustain their businesses and keep their workers employed. The new loan program will be available retroactive from Feb. 15, 2020, so employers can rehire their recently laid-off employees through June 30, 2020. Laurie covers some of the details, the loan terms and conditions, that include... Eligible businesses: All businesses, including non-profits, Veterans organizations, Tribal concerns, sole proprietorships, self-employed individuals, and independent contractors, with 500 or fewer employees, or no greater than the number of employees set by the SBA as the size standard for certain industries Maximum loan amount up to $10 million Loan forgiveness if proceeds used for payroll costs and other designated business operating expenses in the 8 weeks following the date of loan origination (due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs) All loans under this program will have the following identical features: Interest rate of 1.0% Maturity of 2 years First payment deferred for six months 100% guarantee by SBA No collateral No personal guarantees No borrower or lender fees payable to SBA Currently, Heartland Bank is working with businesses and getting approvals in 48 hours. Some tips before starting the process... Look at the checklist provided on our website Work with your CPA or payroll Talk with your banker for more information about this program, as well as other options that may be available for your business Listen to our previous interview with Laurie Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Laurie is our guest again, and we cover how Heartland Bank can help you, as a sole-proprietor or self-employed, with the process of applying for the Paycheck Protection Program. The CARES Act established a new $349 billion Paycheck Protection Program. The Program is providing much-needed relief to millions of small businesses so they can sustain their businesses and keep their workers employed. Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders. What can you use these loans for? You should use the proceeds from these loans on your: Payroll costs, including benefits Interest on mortgage obligations, incurred before February 15, 2020 Rent, under lease agreements in force before February 15, 2020 Utilities, for which service began before February 15, 2020 Laurie covers some of the details, the loan terms and conditions, that include... Eligible businesses Maximum loan amount up to $10 million All loans under this program will have the following identical features: Interest rate of 1.0% Maturity of 2 years First payment deferred for six months 100% guarantee by SBA No collateral No personal guarantees No borrower or lender fees payable to SBA Currently, Heartland Bank is working with businesses and getting approvals in 48 hours. We encourage any and all self-employed to take a look at this program and re-evaluate your situation if you thought this is not for you. One of the most common questions we hear is "How much of my loan will be forgiven?". You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. Some tips before starting the process... Look at the checklist provided on our website Work with your CPA or payroll Talk with your banker for more information about this program, as well as other options that may be available for your business Listen to our previous interview with Laurie Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

In this episode we talk with Jessica McNamee, Director of Financial Planning. How should investors react to the stock market during this COVID-19 pandemic? Jessica encourages investors to address "risk" vs "uncertainty." This is why you should plan. She stresses, stay calm, and don't make rash financial decisions. Take an assessment of your reserves and cash money. And, if you can take the long term perspective, keep putting into your 401K. Should you look at changing your 401K allocation? It's a personal assessment of risk tolerance. Do your best not to sell right now, if you are comfortable to ride out this current financial situation. You can be better prepared by talking to a professional financial advisor. Plus, target having different "buckets of money" to that will give you flexibility. What makes the stock market rise and fall? What are the factors? Can we compare today's market fluctuations to the Great Recession in the early 2000's? Jessica explains the fluctuation reasons, and compares and contrasts today to The Great Recession. Disclaimer: The opinions voiced in this show (program) are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult with your attorney, accountant, and financial advisor or tax advisor prior to investing. Securities are offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured. These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Laurie is our guest, and we cover how your bank can help your business during this pandemic. What should your business being doing today? Keep communicating. To your bank, CPA, insurance agent, all your partners Re-evaluate your revenue streams Create a 13-week cash flow, and update every few days What will a banker need to know when you contact them for options? Laurie offers up these items that will be covered. What is the current state of your business? What are your current revenue streams? What are you doing with your vendors? If you are renting your building, have you talked to your landlord for relief? Have you contacted your insurance agent to understand your policy? Laurie stresses access to cash is extremely important. Utilize or increase your line of credit. Tools that businesses can take advantage of? Laurie mentions that your bank will look over long term, that is, what is needed over the next 90-days. Options include: Interest only payments Deferred payments Loan forbearance SBA solutions? At this time, the SBA is offering a relief program called the SBA Disaster Assistance Program. You can begin the application process online, or contact your bank for assistance. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

We talk with BJ about what measures and options are being put in place with this pandemic. Hardship options that you can ask about are deferred payments or interest only payments. To find out more, contact your bank. That information should be readily available on your monthly mortgage statement. BJ also covers how escrow is handled with any hardship option you may choose, plus what information you should have available when you call your bank. In addition to helping you in the short term, these hardship option payment plans will not affect your credit score. All reporting to the credit bureaus is being waived during this time. Should you consider refinancing your mortgage now? It might be a great time to do so. Rates are the lowest they have ever been. But it will depend on your financial and employment situation right now. Right now is a great time to be prepared to refinance. Contact your bank and start the conversation. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

We talk with Ben about the safety of your deposits at your financial institution during this COVID-19 pandemic. All deposits are safe in your bank. The FDIC insures up to $250,000 per depositor per account category. What are examples of the account categories? Accounts like single, joint, retirement, revocable trust, and irrevocable trust are a few examples. You can get specific information about what the FDIC insures at Ask EDIE. This is the FDIC's Electronic Deposit Insurance Estimator. With the FDIC insurance in place, you may want to think twice about taking a large amount of cash out to have on hand. Ben suggests if you do, only take out as much as you would need to cover expenses for a couple of months. This will limit your urge to spend the money since is it readily available. Deposit rates are low right now. Ben suggests talk to your financial planner for advice. A good strategy to consider is laddering your CD investments over time - 1, 2, 3, or even 5 year CD's. This locks in rates, that over time, will have a better yield average. Ben offers up 5 smart money tips to consider right now. Talk with your community banker. They have programs to help during these difficult financial times. Borrow prudently. Credit cards are not the best loan options. Check out charitable resources. And if you can give, help them out. File your taxes. If you are getting a refund, this is money that can help through the lean financial times. Sell unwanted items, and check your credit card statement for recurring subscriptions you may no longer really need. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Alyssa gives us an update on what you can (and can't) do at your bank during this COVID-19 pandemic. Right now, specifically at Heartland Bank, and most banks, branch lobbies are closed except by appointment. Drive thru banking is still open, with staff and managers available at the branches. The best way to reach your bank, if you need to meet in person, is contact your banks customer service representative by phone. Alyssa offers these smart money moves to consider right now. Build a reserve fund, with extra money you may not be spending right now (sports, entertainment, etc.) Look at your budget, or revise your budget. Simply look at your weekly income, and subtract your weekly expenses. Check with your bank for current rates. Consumer loans have relief options. What are some differences between what we are experiencing now, and during the Great Recession in the early 2000's? Alyssa notes that this financial situation is being brought on by a health crisis, not a financial crisis. The Great Recession has actually prepared the banking industry to weather the storm, and banks are in better shape than they ever have been. They have stronger capital, higher liquidity, and stable funding resources. How can you access your money without going to the bank? Alyssa mentions a number of tools available right now. Mobile deposit through your bank's app Transfer cash via apps like Venmo or Apple Pay ATM Remote deposit for businesses Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Disclaimer: The opinions voiced in this show (program) are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult with your attorney, accountant, and financial advisor or tax advisor prior to investing. Securities are offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured. These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Betty Collins is with Brady Ware CPAs. She started her career in public accounting way back in 1988. As co-leader of the Long-Term Care Service team, which helps provide services to individuals with intellectual and development disabilities in nursing centers, established effective operational models so that they maximized their available funding. She consults with other small businesses, helping them prosper, with advice on general operations, management, cash-flow optimization, tax flow, and all those great things that CPAs do for your business. Besides her serving on the board of directors of Brady Ware & Company, she really has a passion for women-owned businesses and supporting associations such as the National Association of Women-Owned Businesses. She's the president-elect of the Columbus chapter of that organization. Brady Ware also partners with Women's Small Business Accelerator, which is an organization in Columbus, OH to help female business owners develop and implement a strong business strategy through education, mentorship, and all the things that come along with that. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

I speak with Joel Oney, Vice President, Manager of Agribusiness Lending at Heartland Bank. Joel has over 20 years of agricultural finance and leadership experience with Ohio and Kentucky farmers. He received his bachelor’s degree in Dairy Science from The Ohio State University and his master’s degree in Animal Nutrition from the University of Kentucky. Joel was born and raised on a dairy farm in northern Ohio where his family milks more than 500 dairy cows today. He has also served on various county and state boards serving the livestock industry. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Pat John began his career as a title professional in 1985 in Dallas, Texas. Over the last 20-plus years, Patrick has held a host of positions—everything from processor to residential closer. In 1994, Patrick moved to Kansas City after accepting a position as a sales representative. In just a few short years Patrick was named the State Manager of Kansas. In 1997, Patrick moved to Ohio to manage the central Ohio operations for a major underwriter. Four years later Patrick was promoted to Vice President and State Manager. Then, in 2004, Patrick was named Senior Vice President and Regional Manager for a five-state Midwest Region. Patrick served on the Regional Leadership Team and the National Executive Leadership Team for this Fortune 500 underwriter. His business acumen and analytical thinking earned him a reputation as an honest and driven title professional. Patrick founded TransCounty Title Agency in 2007 and has grown the company in the Columbus Metro consistently appearing in Business First as a top 10 title agency. They currently have 3 branch locations and 2 closing locations, located in Dublin, OH, Gahanna, OH, Circleville OH, Upper Arlington, OH and Pataskala, OH. TransCounty Title operates its own in house title departments and handles 90% of their own searching, exam, underwriting, typing, and recording. They have 13 retail employees, that cover sales, order entry, processing, and residential and commercial property closings. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio

Greg Overmyer, CPCU, and Chief Executive Officer at Overmyer Hall Associates is my guest. Find out how he, after a casual meeting with Cameron Mitchell changed the course of his career path. Greg started his career in 1987 after graduating with a Bachelor of Science Degree in Accounting from Miami University. He worked for Continental Insurance Company before accepting a position in Commercial Property & Casualty Sales with Berwanger Overmyer Associates (BOA) in 1988 and received his Chartered Property and Casualty Underwriter (CPCU) designation in 1993. Greg took on leadership positions with BOA. In 2001, BOA was sold to HRH where Greg was made President/CEO of the office. The British firm Willis Group Holdings acquired HRH in 2008. Greg served as Managing Partner of Willis until 2010, continuing to maintain his clients. In 2011, Greg founded Overmyer Associates, later to become Overmyer Hall Associates. Overmyer Hall Associates is a boutique agency specializing in Commercial Insurance, Surety Bonds and Home & Auto Insurance. They were named the fastest growing insurance agency in Columbus in 2014 by Business First. Featuring insights from individual contributors from all corners, nooks and crannies of the Columbus, Ohio region, Scott McComb, Chairman & CEO of Heartland Bank, has a goal to get to the why of our evolving and eclectic environment. Check back often for updates to the list of the latest interviews with some of the area's most interesting individuals who are 'Driving the CBus'! Email: info@heartland.bank Twitter - @heartlandbank Facebook - @heartlandbankcentralohio