Dale W. Esmond

*** ***** ****** *****

Holly Lake Ranch, Texas 75765

SUMMARY OF EXPERIENCE

Thirty years of commercial banking and related experience in all phases of

commercial banking and lending including, strategic planning, start-up,

marketing, lending with an emphasis on commercial lending and fifteen years

as a Chief Executive Officer and ownership experience. Background includes

the formation of a major life insurance company including C.E.O. duties for

more than 10 years, start up including a bank and a financial software

company which was sold to a Dallas based N.Y. stock exchange company of

which I served as C.E.O. of the financial software division for several

years. My experience includes ownership of a non-bank lending company

specializing in the origination and servicing of commercial loans in a

range of $1 million to more than $500 million through out the U.S. This

wide range of financial experience has prepared me for the most challenging

opportunities that I desire to put to work in either working direct for a

commercial bank or serving as a Loan Production Officer for a number of

banks desiring a Dallas, Texas presence originating a regional or U.S.

source of bank quality Commercial Lending Opportunities and full banking

relationships when possible.

PROFESSIONAL EXPERIENCE

April 1992 to

Present

Hallmark American Group, Inc. and Kansas Financial Corporation dba Cush

Guaranty, 544 Green Meadow Trail, Holly Lake Ranch, Texas 75765.

Hallmark American Group, Inc. is a commercial financial lending and service

company that originates commercial loans through out the U.S. and either

syndicates the loans to participating commercial banks or placement with

commercial banks as whole loans along with the full banking relationship

when possible. Kansas Financial Corporation dba Cush Guaranty provides

service to the commercial banking industry of all U.S. Government Lending

programs including SBA Loan and USDA Loans throughout the U.S. My position

is President and C.E.O. I have total responsibility for the total company

results. This company is now offering service to commercial banks through

out the U.S. in a limited partnership approach and expects to deliver

results that meet the goals both in quality and volume of the banks it will

represents. These commercial banks represented will be banks in different

area that do not compete for the same customers.

March 1980 to

March 1992

Pep Systems Financial Software, Derby, Kansas/Dallas, Texas

Pep Systems Financial Software products were designed, tested and marketed

throughout the U.S. My duties included all areas of Chief Executive Officer

Responsibilities, as well as building an operation to support the software

and a marketing network to sell and service the products.

Major Accomplishments include:

Developing a software product allowing bank management a better and more

profitable way of controlling the complete lending function.

Dale W. Esmond

544 Green Meadow Trail

Holly Lake Ranch, Texas 75765

Developed finance and insurance (auto, boat, recreation vehicle,

motorcycle, furniture, implement dealer, etc.) software for the dealer

industry providing management and new profits for this industry.

Selling the Company to a national provider of banking services and

assisting the Company in training their personnel in the proper uses of the

software products. This has resulted in their ability to bring on new

business and resulted in making their existing customer base more

profitable.

Developing new services for commercial banks which have achieved the

origination of hundreds of quality commercial loans in an efficient way.

June 1977 to

May 1984

Midwest Bankers Life Insurance Company and Midwest Bankers, Inc., Derby,

Kansas

I chartered this company in 1977. I owned controlling interest and set up a

unique concept of bringing other producing agents into the company as

owner/producers. These included both bankers and automobile dealers. The

concept allowed them to purchase stock directly related to their annual

life insurance production. This company prospered and was sold in 1984.

June 1977 to

May 1980

First National Bank of Derby, Derby, Kansas, Owner and President

The opportunity was presented to purchase this bank which was chartered in

1975. I purchased the bank and over the next few years it tripled in size

and profits. I sold controlling interest in this bank in 1980.

June 1972 to

June 1977

Farmers & Merchants State Bank of Derby, Derby, Kansas

I came to this bank as Executive V.P. and chief lending officer. When I

joined the bank it had total footings of $16 million, it was not automated

and had no accrual system in place. Upon joining this bank a right of first

refusal to purchase the bank was part of my employment contract. Over the

next few years the bank was automated and the accounting was converted to

an accrual system. The bank grew to over $60 million in assets during my

time there.

October 1971

to June 1972

First National Bank of Chanute, Kansas

I joined this bank to help the new ownership group organize the bank. I was

a member of the board of the bank and was hired as C.E.O. It became

apparent shortly thereafter that one individual had a disagreement about

this point. Rather than having this ongoing conflict I made the decision to

resign for the benefit of the bank and all concerned.

Dale W. Esmond

544 Green Meadow Trail

Holly Lake Ranch, Texas 75765

June 1967 to

October 1971

Emporia State Bank, Emporia, Kansas

I joined this bank as Vice President and Cashier. In this position I was in

charge of the total operation of the bank and also had the largest and most

active loan portfolio. It was at this bank that it was discovered that I

had an interest and aptitude for computers. The ownership of the bank made

the decision to install an in-house mainframe computer system. This became

my responsibility to install and convert the total operation to an NCR

Century Series in house mainframe which was successfully accomplished. In

addition we sold computer time and processing to other area banks and

businesses.

November 1966

to June 1967

Table Rock State Bank, Table Rock, Nebraska

I joined this bank as President and C.E.O and was the only loan officer. In

addition I prepared most of the tax returns for the businesses located in

the county. During my tenure I was able to dramatically increase deposits

and profitability.

October 1962

to Nov 1966

Lawrence National Bank, Lawrence, Kansas

I joined this bank as an assistant vice president in charge of operations

and operations personnel of the bank. In addition, I prepared the statement

of condition and assisted the Chief Executive Officer in investments for

the bank.

March 1958 to

October 1962

Security National Bank, Sapulpa, Oklahoma

This is where I started my banking career as a book-keeper posting debits

and credits. I advanced to head-teller and then into operations as an

assistant vice president.

Education

Sapulpa High School, Sapulpa, Oklahoma - Graduated in top 10%

Graduate of Dale Carnegie Salesmanship Course

Numerous American Institute of Banking classes

My formal education primarily consisted of on the job training over the

years by highly experienced individuals in the various financial vocations

that I have had the pleasure of being involved with. It is my opinion that

this is the most valuable education that one can receive and I am fortunate

for it.

Community

Past Member of many Chamber of Commerce, Rotary, Kiwanis, and Lions clubs

and various community organizations over the years, i.e. drive leader for

Community Chest, American Heart and Easter Seal drive chairman. I have

served as a director of the American Red Cross and am a former President of

The Young Bank Officers of Kansas. I have always been and expect to be

involved in the church and community I live in.

Personal Resume April, 2010

Personal Resume October, 2009

Personal Resume October, 2009

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