Special Executive Offer Expires in:
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
The Superheroes of
Loan Growth Summit
The Latest, Most Up-to-Date Findings, Specific “What’s Working Now”and What-to-Do-in-2015 Strategies to Double or Triple Your Loan Growth This Year!
Monday, 7:23 am, Metropolis

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 communique' based on the performance of your bank and your reputation as an executive open to new thought and possibility. 

I want to talk with you about your bank and specifically about how to grow your loan portfolio. Over the last 18 months, the rules of the game have changed.

It used to be that your lenders could sit in their offices and the customers would come to them. That was GREAT while it lasted.

For a lot of reasons—the economy creating lots of hungry competition, big banks invading smaller and smaller communities, consumers now able to shop for, apply for, and get loans over the Internet to name just a few—the prospects that used to come strolling into your branches aren’t there anymore.

Here’s what changed…
You’ve got competition from all sides—big banks AND the local competitors down the street—all competing for your consumers. 

And now online services that promise to deliver the lowest possible loan rate to people as they sit in their underwear at the kitchen table, hunched over a laptop.
For your business clients—your buddy from the ABA or the ICBA meetings who greets you with a smile at this year’s conference is, right now, trying to poach your best commercial accounts with a cut-throat rate.

Your sales staff was lulled to sleep during the boom, and now they don’t have the skills OR the confidence to go get accounts AND get them at a rate you like.

They sit in the office, trapped as if in a box of their own making—believing that it’s not possible to rapidly grow their portfolio…that it’s not possible to win an account without matching rates…that you truly are an interchangeable commodity.
We hit our loan growth goal for the year by the end of June…in our first year with The Emmerich Group! 

We’ve had employees in banking 20-30 years who say they wish they’d started this program 20 years ago.

C. Floyd, CEO, First National Bank of Syracuse
They’ve all had their teeth kicked in too many times by prospects who halt everything as you’re going to the closing table because they got a better rate from the bank across the street…and now they’re insisting YOU match it.

Their peers, friendly competitors, and the industry media are all reinforcing these lies…it’s not your fault (or theirs). If 10 people told you that you have a tail, you’d look behind you, wouldn’t you?

You know that 80% of your deals come from a very few thoroughbreds in the stable. The results of the rest are a complete mystery to you. They sit and wait for the next deal to walk through the door or waste time, energy, and money buying doughnuts for their chamber buddies, then wonder why those “buddies” never bring business

They find every reason in the world why they can NEVER call on the marquis prospects you really want—the quality credits that WILL pay a premium for added value.

To make matters worse, marketing isn’t working like it used to, at least not what most banks call marketing. For most, marketing does nothing but siphon off cash with no real, measurable results in sight, bringing in weak loans instead of A+ quality credits. 

It’s no accident that Gallup showed that marketing executive jobs are leading the pack in terms of jobs that are being lost—it’s hard to keep a job where you can’t get and prove an ROI. Again, it’s not their fault…they just don’t know WHAT to do.
If that weren’t enough…Board members are growing angry about returns they’ve received over the last decade. 
They’re expecting you to make up some lost time. They want growth and growth of profits and they want them to be remarkable…and they want that to happen NOW

They are cranky and ready to look for new leaders who can deliver OR new places to invest their money.

Worst of all, there’s a belief system that’s become a pandemic in banking…that the only way to get premium fees is by taking on credit risk OR locking in low rates for a long time that is surely going to be the demise of thousands of banks. 

Nothing is further from reality, and at the ALL-NEW Superheroes of Loan Growth Summit, I’ll show you a different reality…a reality that top-performing banks around the country are operating in…and I’ll show you how to create that reality for yourself.
Have you fallen victim to the deadly brainwashing of the “cult of commodity?”
The industry has turned into a “cult of commodity” with mutual brainwashing from peers, competitors, and industry media…all trying to convince you that you’re in the lifeboat with them, plugging holes with chewing gum and contemplating who you’ll have to out-swim to escape the circling sharks.

They tell you…“You can’t rapidly grow loan portfolio without sacrificing price or increasing risk.” Or, “It’s not possible in the current economy.”

It IS possible. We’ve done it in too many banks, over decades, with consistent, measurable results, you can no longer dispute our track record. 

You can refuse to believe that man can fly, but drive to any airport and watch. You’re entitled to your opinion—NOT your own facts.
When implemented, our system has never, not worked. How about yours?
“In 2014 we purchased a 5th location, doubled in size, won the Institute of Extraordinary Banking® Banky® Award for Philanthropy, and were named among the Top 5 places to work in Iowa. 

We never dreamed of these things before The Emmerich Group.”

A. McDowell, Libertyville Savings Bank
I promise: you have been lied to. Hypnotized. Made to act as if you are confined in a small box – that isn’t there.
Maybe you think…“Sure it works for those banks, but it won’t work for us. Our bank/community/market is different.” 

Our system has worked in big markets, small markets, urban markets, rural markets on the East Coast, the West Coast, the Midwest and the South…as Johnny Cash says, “I’ve been everywhere man” and the system I’ll show you at the Summit works in all markets and in all banks who approach it with an open mind.

It’s easy to believe, “Those other banks must not have big banks in their area. We do.” More and more, everybody does. In fact, this is the ONLY way you stand a chance against the bigger stronger banks and their endless marketing budgets. 

Don’t be like Custer, who famously didn’t have time to meet with the machine gun salesman…he was in a hurry to get to someplace called Little Big Horn.

And the one I’ve been hearing for the 25 years I’ve been doing this AND the 10 years I was a lender and then bank executive, “WE JUST HAVE ORDER TAKERS!” It sounds like this: “Listen I don’t have any hunters—everybody just sits behind a desk waiting for the next customer to come in.” 

I get it.

You’re not going to magically change farmers into hunters…it’s like the basketball coach who tries to coach height—you’re going against nature…good luck. 

But you can dramatically improve the results of everyone who sells (that means everyone in the bank) by giving them a few simple skills tied to a differentiation process and strategy, and arming them with overwhelming advantages using the strategy I’ll give you IF you’re at the Summit.

For the wise bankers who register themselves and their key executives and board members today, I'm going to pull-back the curtain on the strategies our client banks are using right now to double and triple loan growth in a year without taking on risk, in fact our process is designed to attract only the A+ quality credits...and compel them to pay you extreme premium pricing for the one-of-a-kind value you deliver.

At the Summit you'll discover:

  • The 3-step system that's Kryptonite against “rate-matching.” In fact, you'll leave the Summit having completed the key pieces you'll need to get out of rate-matching once and for all (Note: bring 4-5 key executives for biggest impact.)
  • How to defeat the myth that “growth comes at the expense of profit”
  • 11 proven ways to rapidly grow your loan portfolio with more profit and less risk.
  • How to turn “can you match this rate?” into a “rate is not a factor” deal.
  • The secret to finally transform your lenders into a group of rabid hunters, bringing in profitable loans with A+ credits faster than you can imagine!
  • The one-question to ask to instantly determine if a prospect places "value" over "rate" so you'll never again waste precious sales time with rate shoppers.
  • How to create a real sales culture, where every employee sells, using a simple system that never feels like "selling"...you'll be amazed at the almost instant transformation in people who've never sold anything successfully before. (Note: If you've tried sales training with no real, lasting results, this isn't sales training...but you'll see instant improvement in sales.)
  • How to land a $500,000 FEE — Discover the secret strategy this $2 Billion bank used to nab a half-million dollar fee the first time they used it.
  • 7 Ways to Close More Deals, Faster, With Fatter Margins and Less Risk.
  • A method for winning loan deals so devastatingly effective, you’ll find hard believe, but impossible to ignore.
  • And much more...
Now, decision time. Are you in or out? 
Our client banks have already snapped up nearly all of the seats for this one-of-a-kind, one-time-only, never-to-be-offered-again Super Heroes of Loan Growth Summit…the few remaining seats will go quickly (early-bird pricing expires March 11th).
Roxanne Emmerich, CEO

PS: Do NOT delay your response –
you risk losing in an important way:
Our events always sell out
. Not bragging, just want you to understand that the clock is running…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.

Click the button and register your team now...

OR CALL our Summit Concierge at (952) 820-0360 (available between 9:00am and 5:00pm Central time).


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 and Receive 9 Exclusive FREE Bonuses worth $9,490!
  • #1) Community Bank Marketing Mastery BONUS Session - May 11th ($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 today!
Special Executive Package Pricing Expires in:
 Executive and Board Member Pricing

*Bring additional executives, board members and department heads at the "guest" rate of $1297.

  • Save $1200 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
  • Summit May 12-13, 2015 | Minneapolis, Minnesota
  • SPECIAL BONUS Community Banking Marketing Mastery Day - May 11, 2015

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Do NOT delay your response – Our events always sell out. Not bragging, just want you to understand that the clock is running…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.