EXHIBIT 4(e)
                                  ------------


                    AGREEMENT AS TO EXPENSES AND LIABILITIES


         AGREEMENT AS TO EXPENSES AND LIABILITIES (this "Agreement") dated as of
January 21, 1998,  between INTRUST FINANCIAL  CORPORATION,  a Kansas corporation
(the  "Company"),  and INTRUST  CAPITAL  TRUST,  a Delaware  business trust (the
"Trust").

                                    RECITALS

         WHEREAS,  the Trust intends to issue its common securities (the "Common
Securities")  to, and receive the Debentures  from, the Company and to issue and
sell up to 2,300,000 8.24% Cumulative Trust Preferred Securities (the "Preferred
Securities")  with such powers,  preferences and special rights and restrictions
as are set forth in the Amended and Restated Trust  Agreement of the Trust dated
as of January 21, 1998, as the same may be amended from time to time (the "Trust
Agreement");

         WHEREAS, the Company shall directly or indirectly own all of the Common
Securities of the Trust and shall issue the Debentures;

         NOW, THEREFORE,  in consideration of the purchase by each holder of the
Preferred Securities, which purchase the Company hereby agrees shall benefit the
Company and which  purchase the Company  acknowledges  shall be made in reliance
upon the execution and delivery of this Agreement, the Company, including in its
capacity  as holder of the  Common  Securities,  and the Trust  hereby  agree as
follows:

                                    ARTICLE I

         Section 1.1.      Guarantee by the Company.

         Subject to the terms and conditions hereof,  the Company,  including in
its  capacity  as  holder  of the  Common  Securities,  hereby  irrevocably  and
unconditionally  guarantees to each person or entity to whom the Trust is now or
hereafter becomes indebted or liable (the "Beneficiaries") the full payment when
and as  due,  of any  and  all  Obligations  (as  hereinafter  defined)  to such
Beneficiaries.  As used  herein,  "Obligations"  means any  costs,  expenses  or
liabilities  of the  Trust  other  than  obligations  of the Trust to pay to the
holders of any Preferred  Securities or other similar interests in the Trust the
amounts due such holders  pursuant to the terms of the  Preferred  Securities or
such other similar interests,  as the case may be. This Agreement is intended to
be for the benefit of, and to be enforceable by, all such Beneficiaries, whether
or not such Beneficiaries have received notice hereof.

         Section 1.2.      Term of Agreement.

         This  Agreement  shall  terminate and be of no further force and effect
upon the  later of  (a) the  date on which  full  payment  has been  made of all
amounts  payable to all holders of all the  Preferred  Securities  (whether upon
redemption, liquidation, exchange or otherwise); and (b) the date on which there
are no Beneficiaries  remaining;  provided,  however,  that this Agreement shall
continue to be effective or shall be  reinstated,  as the case may be, if at any
time any holder of the  Preferred  Securities  or any  Beneficiary  must restore
payment of any sums paid under the Preferred  Securities,  under any  obligation
under the Preferred  Securities Guarantee Agreement dated the date hereof by the
Company and State Street Bank and Trust Company as guarantee  trustee,  or under
this  Agreement  for  any  reason  whatsoever.  This  Agreement  is  continuing,
irrevocable, unconditional and absolute.

         Section 1.3.      Waiver of Notice.

         The Company hereby waives notice of acceptance of this Agreement and of
any  obligation to which it applies or may apply,  and the Company hereby waives
presentment,  demand  for  payment,  protest,  notice of  nonpayment,  notice of
dishonor, notice of redemption and all other notices and demands.

         Section 1.4.      No Impairment.

         The obligations,  covenants, agreements and duties of the Company under
this  Agreement  shall  in no way be  affected  or  impaired  by  reason  of the
happening from time to time of any of the following:

              (a) the  extension  of time for the payment by the Trust of all or
any portion of the  Obligations or for the  performance of any other  obligation
under, arising out of, or in connection with, the Obligations;

              (b) any failure,  omission, delay or lack of diligence on the part
of the Beneficiaries to enforce, assert or exercise any right, privilege,  power
or remedy conferred on the Beneficiaries  with respect to the Obligations or any
action on the part of the Trust granting indulgence or extension of any kind; or

              (c) the voluntary or involuntary liquidation, dissolution, sale of
any collateral, receivership, insolvency, bankruptcy, assignment for the benefit
of creditors,  reorganization,  arrangement, composition or readjustment of debt
of, or other similar  proceedings  affecting,  the Trust or any of the assets of
the Trust.

         There shall be no obligation of the Beneficiaries to give notice to, or
obtain the consent of, the Company with  respect to the  happening of any of the
foregoing.

         Section 1.5.      Enforcement.

         A Beneficiary may enforce this Agreement  directly against the Company,
and the Company waives any right or remedy to require that any action be brought
against the Trust or any other person or entity  before  proceeding  against the
Company.

                                   ARTICLE II

         Section 2.1.      Binding Effect.

         All guarantees and  agreements  contained in this Agreement  shall bind
the successors,  assigns, receivers, trustees and representatives of the Company
and shall inure to the benefit of the Beneficiaries.

         Section 2.2.      Amendment.

         So long as there remains any Beneficiary or any Preferred Securities of
any series are  outstanding,  this Agreement shall not be modified or amended in
any  manner  adverse to such  Beneficiary  or to the  holders  of the  Preferred
Securities.

         Section 2.3.      Notices.

         Any notice,  request or other communication required or permitted to be
given  hereunder  shall be given in writing by delivering  the same by facsimile
transmission  (confirmed by mail),  telex,  or by registered or certified  mail,
addressed as follows (and if so given, shall be deemed given when mailed or upon
receipt of an answer back, if sent by telex):

         INTRUST Capital Trust c/o INTRUST Financial Corporation, 105 North Main
Street,  Box  One,  Wichita,   Kansas  67202.  Facsimile  No.:  (316)  383-1828.
Attention: Chief Executive Officer.

         INTRUST Financial Corporation, 105 North Main Street, Box One, Wichita,
Kansas 67202. Facsimile No.: (316) 383-1828. Attention: Chief Executive Officer.

         Section 2.4.      Governing Law.

         This  Agreement  shall be governed by and construed and  interpreted in
accordance  with the laws of the State of Kansas  (without regard to conflict of
laws principles).



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        THIS AGREEMENT is executed as of the day and year first above written.

                                    INTRUST FINANCIAL CORPORATION



                                    By:      __________________________________
                                             Name:  C. Q. Chandler
                                             Title:   Chairman of the Board and
                                                        Chief Executive Officer


                                    INTRUST CAPITAL TRUST



                                    By:      __________________________________ 
                                             Name:  Jay L. Smith
                                             Title:   Administrative Trustee