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A limited invitation
to a new, completely updated, never before offered and never to be offered again summit and bootcamp for
selected Bank Executives Only,
presenting the
 Net-Interest Margin Now! Bootcamp:
The Latest, Most Up-to-Date Findings, Specific “What’s Working Now”and What-to-Do-in-2015 Strategies to Add
40-60Basis Points Next Year
Personal & Confidential
Monday, 8:42 am, Minneapolis, MN

From: Roxanne Emmerich, New York Times and Wall Street Journal bestselling author of Profit-Growth Banking, Thank God It’s Monday and the new book The Net Interest Margin Solution

Dear Bank Builder:

YOU have been carefully chosen to receive this invitation based on the performance of your bank and your reputation as an executive open to new thought and possibility. 

Most bankers are, sadly, boxed into a cage of their own creation. Trapped by the belief that net interest margin compression is reality. That rate matching is required to win accounts. That they and you are nothing more than commodity peddlers left to haggle over price as if a merchant in the bazaar. “They” have fallen victim to…
…an insidious thought-VIRUS more contagious, more deadly, more sinister, 
than EBOLA!
I only hope this letter reaches you in time, before infection takes hold, in your bank, on your executive team and among your sales people because WE HAVE THE CURE.

For the last 25 years I’ve taken more banks into the top 1% and 5% of performance than anyone else. I’ve worked, as Edison, in the laboratory, with sleeves rolled up along side over 300 banks, through booming economies and through the depths of the Great Recession, experimenting, testing, refining the secret code used by the most profitable banks in the country. 

Now, for the first time, and at great personal risk of angering my private clients, (who prefer I keep this close to the vest) I am going to divulge my most guarded strategies, cures if you will, for net interest margin compression.
We never even dreamed we could get a net interest margin near 6.0. We increased net interest margin by about 100 basis points in just one year. It’s just like you said—the A+ credits now bring in A+ credits...and they don’t expect us to match pricing. 
—K. Beckemeyer, CEO, Legence Bank
But I must warn you…my approach is different. Requires flexibility of the mind that average bankers don’t possess. And, once revealed to you, will forever change the way you approach banking and sales.

No matter how experienced you are, it’s likely you’ve never seen a process like this – or results like it produces. Odds are, you’ll rub your eyes and find it hard to believe in, even when shown factual proof. 

WARNING: It’s nearly certain that those in marketing and selling, you are currently relying on to produce will deny the very possibility of these results. To date, they have persuaded you that “rates are end all, be all.” They may be better at selling you this crippling belief than they are at selling your bank to desired clients!

Armed with the facts about this process, you will leave the “bootcamp” with new determination to end the war between sales growth and net interest margin in your bank.

Our Processes’ ability to do this can no longer be doubted or questioned. We’ve done it in too many banks. 

Doubting it is like doubting that airplanes can defy gravity and fly. You can drive out to the local airport and watch. You can look at the partial list of banks below, where we have driven net interest margin up substantially and consistently, without the need to take on additional risk. In fact, we grow margin AND reduce risk at the same time. You may read representative comments. You are still entitled to your own opinion – but not your own facts.
"...finally a system that transcends commodity..."
A.R. McDonnell, CEO
Citizens National Bank
Some bankers – even after being shown absolute, incontrovertible proof of these alternative strategies’ success – reject them anyway. I have a friend who owns a large number of racehorses. He says the reason so many horses die if there’s a stable fire is that, even as they are led out, they fight and turn and run back into the fire to their stall. It is the only place they feel secure. They believe they are safe there despite the evidence right in front of their noses. 

Similarly, some bankers run back into the box they know and are comfortable in, even if they are shown a way out.

Some bankers take my challenge to the established order PERSONALLY and instantly become defensive about it. They are too insecure to even consider an entirely different reality. They react by defending the ‘reasons’ why they and their bank is stuck, rather than with curiosity about a possibility for getting un-stuck. 

(Great business leaders practice what is called ‘Creating Your Own Reality.’ Steve Jobs was legendary for it – critics called it “Jobs’ reality distortion.” Critics with a lot less success. Apple continues creating its own reality. Most recently, 4-million new I-Phone 6’s sold in the first 24 hours and hordes of people in line outside stores for as much as 3 days, waiting to get theirs. These are the kinds of phenomenons we should be striving to create! Why shouldn’t YOU be and be seen as ‘the Steve Jobs’ of your bank, maybe of banking in your market, your state…instead of a bureaucrat just trying to keep the trains running on time? With THIS invitation, I’m actively searching for bank leaders EAGER to innovate, to create their own realities. I’m looking for bank leaders unwilling to accept survival or incremental growth as goals.)
I've attended "bootcamp" THREE times, sent ALL my managers, and in the last year since we've been implementing what we learned, we've experienced more growth than in the previous five years combined! The growth of deposits and loans can only be described as a miracle and profits are up 44%!

P. Steele, President and CEO, First Volunteer Bank
WINNER 2014 Extraordinary Bank of the Year
I promise: you have been lied to. Hypnotized. Made to act as if you are confined in a small box – that isn’t there.
You have been beaten down. Sold a bad bill of goods. Convinced that there are only little things that can be done.

So, here’s a challenge: dare to find out if you’ve been hypnotized into believing in and acting as if you’re locked inside a box that isn’t there. This requires curiosity in place of ego.
  
Aristotle Onassis, in his time, one of the world’s richest men, and one of the most successful investors and lenders, said that “Great success comes about only by knowing something others in your field do not know, or at least knowing it first or early, and acting on it decisively.” He further said: “That is possible only by admitting that what you already know may not be the best current knowledge.”

What If…What If…things you believe are absolute truths and limiting truths – aren’t? What If…things you are being told and sold by those around you are only serving to solidify the small box imprisoning you – that isn’t reality at all?  

 This is your chance to peek behind the curtain and see with your own eyes the ‘reality’ the top 1%’ers in banking see, operate in and profit from. And, all you need to do right now is say ‘maybe’…come to the bootcamp and bring up to three executives or board members (best to bring CEO, Chairman, CFO, CLO and head of retail).
At the all-new Net Interest Margin Now! Bootcamp I will DE-Hyponotize you.
This is your chance to peek behind the curtain and see with your own eyes the ‘reality’ the top 1%’ers in banking see, operate in and profit from. And, all you need to do right now is say ‘maybe’…come to the bootcamp and bring up to three executives or board members (best to bring CEO, Chairman, CFO, CLO and head of retail).

But you must act quickly... 

The bootcamp is rapidly filling with executives from our client banks. We have limited space for non-member banks and we’ve hand selected you to come “inside the tent.” Time is of the essence…As I’m writing this, just 11 seats remain for special invitees like you. WE WILL SELL OUT SOON.

Like a classic Disney movie, once the event is over, these breakthrough strategies go back in the vault, only to be revealed to our member clients. This may be your only opportunity to discover what banks adding 40-60 basis points in a year are doing differently. Do not hesitate…click the button below to register now.

To your success,
Roxanne Emmerich, CEO

PS: Do NOT delay your response – you risk losing in two important ways: 

#1) Our events always sell out. Not bragging, just want you to understand that the clock is signing…tick-tock…if you sit on this until you’ve “got time” it is likely we will unhappily turn you away, already “at the gills” with quick-footed bankers, 

#2) You WILL PAY MORE…the registration fee is going up on January 28th …act now to avoid paying the “slow movers” tax! 
OUR DOUBLE GUARANTEE

If by noon the second day, you’re not cured of your disbelief, once again giddy with excitement about the future of your bank and thoroughly convinced that this is the most valuable two days you’ll invest all year, simply say so to any member of my staff and we’ll refund your ENTIRE investment, plus, pay you up to $500 per person for documented travel expenses. OR…stay for the entire event and if after three months you've fully implemented at least five of the ideas we've shared and haven't received a tenfold return on your investment in this bootcamp, we'll refund your entire registration fee.

What Others Are Saying

"....for bank leaders who want to transform their teams from ‘order takers’ to persuasive sales professionals."

Nido Qubein, executive board member of BB&T Bank; founder of a community bank; celebrated sales expert and speaker; President, High Point University; on boards of La-Z-Boy Furniture and Great Harvest Bread Co.

WINNER 2014 Extraordinary Bank of the Year!

"I've attended "bootcamp" THREE times, sent ALL my managers, and in the last year since we've been implementing what we learned, we've experienced more growth than in the previous five years combined! The growth of deposits and loans can only be described as a miracle and profits are up 44%!

P. Steele, President and CEO, First Volunteer Bank

"Want to know how to gain and retain customers without ‘buying’ their business? Ask Roxanne Emmerich."

Mike Hannley, CEO, Bank of Tucson

"...finally a system that transcends commodity.... "

A.R. McDonnell, CEO, Citizens National Bank

We grew 21 percent while decreasing FTEs by 11 percent and raising net interest margin 52 basis points since working with you. 100 percent of our new loan customers are referrals from current customers or centers of influence. Not a week goes by when I don't get a call from a client complimenting my staff. I don't even remember it happening before we made this shift. Our top 100 customers are sending business our way, and we're not really having to work hard to get new business. And our lenders don't even try or ask to meet the pricing of the competition. They know they're worth more. A few years ago, they wouldn't have believed they were worth the extra money.

K. Miller, President and CEO, The Farmers Bank

The day after attending your bootcamp, our CSR used the needs assessment techniques you taught with a customer opening a new account. Guess what? The customer pulled a $250,000 check from his billfold and opened an account! The additional cross-sales that are materializing are amazing. This is only a fraction of what's happening here since attending the event.

J. J. Blake, Regional President, MidSouth Bank

I've always said that if our competitors got ahold of Roxanne's information, we'd be in trouble. Fortunately, we found her first. Roxanne's system works—especially during times like these.

A.Tubbs, CEO, Ohnward Bancshares and Past President of American Bankers Association

"Net interest margin increased from 3.90 to 4.32, and we're operating with 1.25% or less past dues."

Since working with you, we've grown from $238 million to $368 million...a 54% increase, net income grew from $2.1 million to $4.1 million...a 95% increase, and earning assets grew from $213 million to $332 million—a 56% increase. Net interest margin increased from 3.90 to 4.32, and we're operating with 1.25% or less past dues. We did this without growing staff.

We now target only A+ credits like you taught us. We cycle several people through your bootcamp every year. It's a part of who we are. You've taught me to take myself lightly and my results seriously.

G. Majors, President and CEO, The Hardin County Bank
Exclusive Bonuses
Register Before January 28th and Receive
9 Exclusive FREE Bonuses worth $9,490!
  • #1) Community Bank Marketing Mastery BONUS Session - February 17th ($2,400)
    Get direct, specific feedback on your current marketing in this exclusive "hot seat" session with our own marketing strategy expert.
  • #2) High-Performance Preparedness Assessment Mastermind Call ($2,700)
    Arrive at the bootcamp, ready to go, with this focused, advanced mastermind call.
  • #3) Mystery Shopping Assessment ($1,500)
    Discover where you've got holes in your bucket, so you'll know exactly where to focus when you return from this bootcamp.
  • #4) Profit-Growth Banking™ Playbook ($325)
    Take home the complete manual to add more net interest margin and more profit with less drama and risk. 
  • #5) Jumpstart Mastermind Teleseminar ($175)
    After the bootcamp, tune-in with your team to jumpstart your transformation.
  • #6) 5 signed copies of Thank God It’s Monday! ® book ($100)
    THE blueprint for transforming your culture for bottom-line results.
  • #7) 5 signed copies of Profit-Growth Banking™ book ($150)
    Master the 7 breakthrough strategies of top-performing banks.
  • #8) Emotional Intelligence Hiring Process Teleseminar ($140)
    Discover how to hire with the only emotional intelligence assessment with specific benchmarks for 43 banking roles.
  • #9) Breakthrough Banking Culture Survey, plus a private executive review with an Emmerich Group coach to identify top areas to focus on for rapid results ($2,000)
$9,490 in bonuses...FREE when you register by January 28th
Special Executive Package Expiring January 28th
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Special Executive and Board Member Pricing
$
1,295
* bring additional executives, board members and department heads at the "guest" rate of $695.

  • Save $690 off regular bootcamp registration price
  • Get ALL 9 Bonuses $9,490 in real value - FREE
  • Begin your bank transformation immediately
  • No Risk - Covered by our Exclusive DOUBLE Guarantee
  • Bootcamp February 18-19, 2015 at Mission Inn (Orlando, FL area)
  • SPECIAL BONUS Community Banking Marketing Mastery Day - February 17, 2015

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Do NOT delay your response – you risk losing in two important ways: 

#1) Our events always sell out. Not bragging, just want you to understand that the clock is singing…tick-tock…if you sit on this until you’ve “got time” it is likely we will unhappily turn you away, already “at the gills” with quick-footed bankers, 

#2) You WILL PAY MORE…the registration fee is going up on January 28th… act now to avoid paying the “slow movers” tax!