Training, namely, training of financial institution managers to provide them with tools to enhance business management skills, including goal setting, sales action planning, staff communications, and skills for coaching, motivating, tracking performance and providing feedback to lending staff; providing training to financial institution lending staff in the areas of selling strategies, personal selling skills and tools, knowledge of lending insurance products and services and goal setting in order to effectively uncover customer needs, present and deliver complete loan and financial package solutions that meet these needs, and to maximize lending opportunities across marketing channels, such as face-to-face, telephone call centers and Web based marketing