Develop an implementation guide to pro-active sales for your team. Address the following themes: With the reality that the foot-flow of customers into branches is declining due to greater use of alternative channels by our customers, we need to adopt more pro-active (banker initiated) approaches to our sales activities. a) The difference between reactive (customer-request driven) sales and pro-active sales approaches.

b) The principles of pro-active selling which you believe will be most beneficial.

c) The sources of opportunities to prospect for new customers. d) Guidelines to leverage your colleagues as resource for new opportunities.