Exhibit 10.14

[citigroup]

Date: December 1, 2004 Amended: December 9, 2004     To: GOLD BANK – KANSAS
Attn: Documentation Unit Phone: 913-323-7703 Fax: 913-451-8004     From:
Citibank N.A., New York   Confirmations Unit   333 West 34th Street, 2nd Floor  
New York, NY 10001, USA     Phone: 1-212-615-8981 Fax: 1-212-615-8985     Our
ref: M047181 Your ref:  

AMENDED TRANSACTION

The purpose of this letter agreement (this 'Confirmation') is to set forth the
terms and conditions of the Transaction entered into between GOLD BANK – KANSAS
('Counterparty) and Citibank N.A., New York ('Citibank') on the Trade Date
specified below (the 'Transaction'). This Confirmation amends, restates and
supersedes any prior Confirmation for this Transaction.

1. The definitions and provisions contained in the 2000 ISDA Definitions (the
'Definitions') (as published by the International Swaps and Derivatives
Association, Inc.) are incorporated into this Confirmation. References herein to
a 'Transaction' shall be deemed to be references to a 'Swap Transaction' for the
purposes of the Definitions.

This Confirmation supplements, forms a part of, and is subject to, dated as of
December 22, 2003, as amended and supplemented from time to time (the 'Master
Agreement'), between Counterparty and Citibank. All provisions contained in the
Master Agreement govern this Confirmation except as expressly modified below. In
the event of any inconsistency between this Confirmation and the Definitions or
the Master Agreement, this Confirmation will govern.

U.S. Federal law requires Citibank to obtain, verify and record customer
identification information.

2. The terms of the particular Transaction to which this Confirmation relates
are as follows:

 

 

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Trade Date: November 30, 2004     Effective Date: December 1, 2004    
Termination Date: December 1, 2011, subject to adjustment in accordance with the
Following Business   Day Convention         Fixed Amounts       Fixed Rate
Payer: Citibank     Notional Amount: USD 70,000,000.00     Fixed Rate Payer  
Period End Dates: Each December 1, March 1, June 1 and September 1 commencing
March 1, 2005   through and including the Termination Date, with No Adjustment  
  Fixed Rate Payer   Payment Dates: Each December 1, March 1, June 1 and
September 1, commencing March 1, 2005,   through and including the Termination
Date     Fixed Rate: 7.14 percent     Fixed Rate   Day Count Fraction:
Actual/360     Business Days: New York     Business Day Convention: Following  
      Floating Amounts       Floating Rate Payer: Counterparty     Notional
Amount: USD 70,000,000.00

 

 

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Floating Rate Payer   Period End Dates: Each December 1, March 1, June 1 and
September 1 commencing March 1, 2005   through and including the Termination
Date, with No Adjustment     Floating Rate Payer   Payment Dates: Each December
1, March 1, June 1 and September 1 commencing March 1, 2005,   through and
including the Termination Date     Floating Rate Option: USD-Prime-H.15    
Spread: None     Floating Rate   Day Count Fraction: Actual/360     Reset Dates:
Each New York Business Day of the Floating Rate Payer     Method of Averaging:
Weighted Average     Business Days: New York     Business Day Convention:
Following     Calculation Agent: Citibank, or as stated in the Master Agreement
    Optional Early Termination       Option Early Termination: Applicable    
Option Style: European     Exercise Business Days: New York, London        
Procedure for Exercise       Expiration Date: Five Exercise Business Days
preceding the Cash Settlement

 

 

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      Payment Date     Earliest Exercise Time: 9:00 AM, New York time    
Expiration Time: 11:00 AM New York time         Settlement Terms       Cash
Settlement: Applicable     Cash Settlement   Valuation Time: 11:00 AM New York
time     Cash Settlement   Valuation Date: Two Valuation Business Days preceding
the Cash Settlement Payment Date.     Valuation Business   Days: New York,
London     Cash Settlement   Payment Date: December 1, 2009     Business Day
Convention   for Cash Settlement   Payment Date: Following     Cash Settlement  
Method: Cash Price     Cash Settlement   Reference Banks: As per the
Definitions.     Quotation Rate: Mid

 

Representations:

Each party represents to the other party that:

(a) Non–Reliance. It is acting for its own account, and it has made its own
independent decisions to enter into this Transaction and as to whether this
Transaction is appropriate or proper for it based upon its own judgment and upon
advice from such advisors as it has deemed necessary. It is not relying on any
communication (written or oral) of the other party as investment advice or as a
recommendation to enter into

 

 

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this Transaction; it being understood that information and explanations related
to the terms and conditions of this Transaction shall not be considered
investment advice or a recommendation to enter into this Transaction. It has not
received from the other party any assurance or guarantee as to the expected
results of this Transaction.

(b) Evaluation and Understanding. It is capable of evaluating and understanding
(on its own behalf or through independent professional advice), and understands
and accepts, the terms, conditions and risks of this Transaction. It is also
capable of assuming, and assumes, the financial and other risks of this
Transaction.

(c) Status of Parties. The other party is not acting as a fiduciary or an
advisor for it in respect of this Transaction.

(d) Risk Management. It has entered into this Transaction for the purpose of (i)
managing its borrowings or investments, (ii) hedging its underlying assets or
liabilities or (iii) in connection with its line of business.

4. Account Details

  Payments to Citibank     in USD: CITIBANK N.A. NEW YORK     BIC: CITIUS33    
ACCOUNT NO 00167679     ACCOUNT NAME: FINANCIAL FUTURES         Payments to
Counterparty: Please provide to expedite payment

 

 

 

 

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If you have any questions regarding this letter agreement, please contact the
Swap Operations Department at the telephone numbers or the facsimile numbers
indicated on this Confirmation.

Please confirm that the foregoing correctly sets forth the terms of our
agreement by executing the copy of this Confirmation enclosed for that purpose
and returning it to us.

Very truly yours,
Citibank N.A., New York

 

By: /s/ Frank A. Licciardello

Accepted and confirmed
as of the Trade Date:

GOLD BANK - KANSAS

By:  /s/ Rick S. Tremblay
        Authorized Signatory

 

 

 

 

 

 

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