EXHIBIT 4(d)
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                    PREFERRED SECURITIES GUARANTEE AGREEMENT


                                 BY AND BETWEEN


                          INTRUST FINANCIAL CORPORATION


                                       AND

                       STATE STREET BANK AND TRUST COMPANY

                                JANUARY 21, 1998


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<PAGE>

                                TABLE OF CONTENTS

                                                                            Page


ARTICLE I. DEFINITIONS AND INTERPRETATION......................................1
      Section 1.1. Definitions and Interpretation..............................1

ARTICLE II. TRUST INDENTURE ACT................................................4
      Section 2.1. Trust Indenture Act; Application............................4
      Section 2.2. The List of Holders of the Securities.......................5
      Section 2.3. Reports by the Preferred Guarantee Trustee..................5
      Section 2.4. Periodic Reports to the Preferred Guarantee Trustee.........5
      Section 2.5. Evidence of Compliance with Conditions Precedent............5
      Section 2.6. Events of Default; Waiver...................................5
      Section 2.7. Event of Default; Notice....................................6
      Section 2.8. Conflicting Interests.......................................6

ARTICLE III. POWERS, DUTIES AND RIGHTS OF THE PREFERRED GUARANTEE TRUSTEE......6
      Section 3.1. Powers and Duties of the Preferred Guarantee Trustee........6
      Section 3.2. Certain Rights of the Preferred Guarantee Trustee...........8
      Section 3.3. Not Responsible for Recitals or Issuance of Guarantee.......9

ARTICLE IV. THE PREFERRED GUARANTEE TRUSTEE...................................10
      Section 4.1. The Preferred Guarantee Trustee; Eligibility...............10
      Section 4.2. Appointment, Removal and Resignation of the Preferred
                   Guarantee Trustee..........................................10

ARTICLE V. GUARANTEE..........................................................11
      Section 5.1. Guarantee..................................................11
      Section 5.2. Waiver of Notice and Demand................................11
      Section 5.3. Obligations not Affected...................................11
      Section 5.4. Rights of the Holders......................................12
      Section 5.5. Guarantee of Payment.......................................13
      Section 5.6. Subrogation................................................13
      Section 5.7. Independent Obligations....................................13
      Section 5.8. Right to Elect Directors...................................13

ARTICLE VI. LIMITATION OF TRANSACTIONS; SUBORDINATION.........................13
      Section 6.1. Limitation on Transactions.................................13
      Section 6.2 Ranking.....................................................14

ARTICLE VII. TERMINATION......................................................14
      Section 7.1. Termination................................................14

ARTICLE VIII. INDEMNIFICATION.................................................14
      Section 8.1. Exculpation................................................14
      Section 8.2. Indemnification............................................15

ARTICLE IX. MISCELLANEOUS.....................................................15
      Section 9.1. Successors and Assigns.....................................15
      Section 9.2. Amendments.................................................15
      Section 9.3. Notices....................................................15
      Section 9.4. Benefit....................................................16
      Section 9.5. Governing Law..............................................16


<PAGE>

                              CROSS-REFERENCE TABLE

Section of........                                                  Section of
Trust Indenture Act                                                 Guarantee
of 1939, as amended                                                 Agreement

310(a)....................................................................4.1(a)
310(b)...............................................................4.1(c), 2.8
310(c)............................................................Not Applicable
311(a)....................................................................2.2(b)
311(b)....................................................................2.2(b)
311(c)............................................................Not Applicable
312(a)................................................................... 2.2(a)
312(b)................................................................... 2.2(b)
313......................................................................... 2.3
314(a).......................................................................2.4
314(b)............................................................Not Applicable
314(c).......................................................................2.5
314(d)............................................................Not Applicable
314(e)..............................................................1.1, 2.5,3.2
314(f)..................................................................2.1, 3.2
315(a)....................................................................3.1(d)
315(b).......................................................................2.7
315(c).......................................................................3.1
315(d)....................................................................3.1(d)
316(a).............................................................1.1, 2.6, 5.4
316(b).......................................................................5.3
317(a).......................................................................3.1
317(b)............................................................Not Applicable
318(a)....................................................................2.1(a)
318(b).......................................................................2.1
318(c)....................................................................2.1(b)

Note: This Cross-Reference  Table does not constitute part of this Agreement and
shall not affect the interpretation of any of its terms or provisions.

<PAGE>

                    PREFERRED SECURITIES GUARANTEE AGREEMENT


         THIS  PREFERRED   SECURITIES   GUARANTEE   AGREEMENT  (this  "Preferred
Securities Guarantee"),  dated as of January 21, 1998, is executed and delivered
by INTRUST FINANCIAL  CORPORATION,  a Kansas corporation (the "Guarantor"),  and
STATE STREET BANK AND TRUST  COMPANY,  a trust  company  organized  and existing
under the laws of the Commonwealth of Massachusetts,  as trustee (the "Preferred
Guarantee  Trustee"),  for the benefit of the Holders (as defined  herein)  from
time to time of the Preferred  Securities (as defined herein) of INTRUST CAPITAL
TRUST, a Delaware statutory business trust (the "Trust").

                                    RECITALS

         WHEREAS,  pursuant  to an Amended and  Restated  Trust  Agreement  (the
"Trust  Agreement"),  dated as of January 21,  1998,  among the  trustees of the
Trust named therein, the Guarantor,  as depositor,  and the holders from time to
time of undivided  beneficial interests in the assets of the Trust, the Trust is
issuing  on the date  hereof up to  2,300,000  preferred  securities,  having an
aggregate  liquidation  amount of $57,500,000,  designated the 8.24%  Cumulative
Trust Preferred Securities (the "Preferred Securities");

         WHEREAS,  as  incentive  for the  Holders  to  purchase  the  Preferred
Securities,  the Guarantor desires  irrevocably and unconditionally to agree, to
the  extent  set forth in this  Preferred  Securities  Guarantee,  to pay to the
Holders of the Preferred  Securities the Guarantee  Payments (as defined herein)
and to make certain other payments on the terms and conditions set forth herein.

         NOW,  THEREFORE,  in  consideration  of the  purchase by each Holder of
Preferred  Securities,  which purchase the Guarantor hereby agrees shall benefit
the Guarantor,  the Guarantor  executes and delivers this  Preferred  Securities
Guarantee for the benefit of the Holders.

                                   ARTICLE I.
                         DEFINITIONS AND INTERPRETATION

         Section  1.1.   Definitions  and  Interpretation.   In  this  Preferred
Securities Guarantee, unless the context otherwise requires:

         (a)......capitalized  terms used in this Preferred Securities Guarantee
but not defined in the preamble above have the respective  meanings  assigned to
them in this Section 1.1;

         (b)......terms  defined  in  the  Trust  Agreement  as at the  date  of
execution of this Preferred Securities Guarantee have the same meaning when used
in this Preferred Securities Guarantee;

         (c)......a term defined anywhere in this Preferred Securities Guarantee
has the same meaning throughout;

         (d)......all  references  to "the  Preferred  Securities  Guarantee" or
"this Preferred Securities Guarantee" are to this Preferred Securities Guarantee
as modified, supplemented or amended from time to time;

         (e)......all  references  in this  Preferred  Securities  Guarantee  to
Articles and Sections are to Articles and Sections of this Preferred  Securities
Guarantee, unless otherwise specified;

         (f)......a term defined in the Trust Indenture Act has the same meaning
when used in this Preferred  Securities  Guarantee,  unless otherwise defined in
this Preferred  Securities  Guarantee or unless the context otherwise  requires;
and

         (g)......a  reference  to the  singular  includes  the  plural and vice
versa.

         "Affiliate"  has the same  meaning as given to that term in Rule 405 of
the Securities Act of 1933, as amended, or any successor rule thereunder.

         "Business Day" means any day other than a Saturday or a Sunday or a day
on which federal or state banking institutions in the Borough of Manhattan,  the
City of New  York  are  authorized  or  required  by  law,  executive  order  or
regulation  to  close  or a day on  which  the  Corporate  Trust  Office  of the
Preferred Guarantee Trustee is closed for business.

         "Corporate  Trust Office"  means the office of the Preferred  Guarantee
Trustee at which the corporate trust business of the Preferred Guarantee Trustee
shall, at any particular time, be principally administered,  which office at the
date of  execution  of this  Preferred  Securities  Guarantee  is located at Two
International  Place,  4th  Floor,  Boston,   Massachusetts  02110,   Attention:
Corporate Trust Department.

         "Covered  Person"  means any Holder or  beneficial  owner of  Preferred
Securities.

         "Debentures"  means the 8.24%  Subordinated  Debentures due January 31,
2028, of the Debenture Issuer held by the Property Trustee of the Trust.

         "Debenture Issuer" means the Guarantor.

         "Event of  Default"  means a  default  by the  Guarantor  on any of its
payment or other obligations under this Preferred Securities Guarantee.

         "Guarantor" means INTRUST Financial Corporation, a Kansas corporation.

         "Guarantee  Payments"  means the following  payments or  distributions,
without duplication, with respect to the Preferred Securities, to the extent not
paid or made by the Trust:  (i) any  accrued and unpaid  Distributions  that are
required to be paid on such Preferred Securities,  to the extent the Trust shall
have funds available therefor,  (ii) the redemption price, including all accrued
and unpaid  Distributions to the date of redemption (the "Redemption Price"), to
the extent the Trust has funds available therefor, with respect to any Preferred
Securities  called for  redemption  by the Trust,  and (iii) upon a voluntary or
involuntary  dissolution,  winding-up or termination of the Trust (other than in
connection  with the  distribution  of the Debentures to the Holders in exchange
for the Preferred Securities as provided in the Trust Agreement),  the lesser of
(A)  the  aggregate  of the  Liquidation  Amount  and  all  accrued  and  unpaid
Distributions on the Preferred  Securities to the date of payment, to the extent
the Trust shall have funds available therefor (the "Liquidation  Distribution"),
and (B) the amount of assets of the Trust remaining  available for  distribution
to Holders in liquidation of the Trust.

         "Holder"  means a  Person  in whose  name a  Preferred  Security  is or
Preferred  Securities  are  registered  in the  Securities  Register;  provided,
however, that, in determining whether the holders of the requisite percentage of
the  Preferred  Securities  have given any  request,  notice,  consent or waiver
hereunder,  "Holder"  shall not include the  Guarantor  or any  Affiliate of the
Guarantor.

         "Indemnified   Person"  means  the  Preferred  Guarantee  Trustee,  any
Affiliate  of the  Preferred  Guarantee  Trustee,  or any  officers,  directors,
shareholders,   members,   partners,   employees,   representatives,   nominees,
custodians or agents of the Preferred Guarantee Trustee.

         "Indenture" means the Indenture dated as of January 21, 1998, among the
Debenture  Issuer and State Street Bank and Trust Company,  as trustee,  and any
indenture supplemental thereto pursuant to which the Debentures are to be issued
to the Property Trustee of the Trust.

         "Liquidation  Distribution"  has the meaning  provided  therefor in the
definition of Guarantee Payments.

         "List of  Holders"  has the meaning  set forth in  Section 2.2  of this
Preferred Securities Guarantee.

         "Majority in Liquidation Amount of the Preferred  Securities" means the
holders of more than 50% of the Liquidation  Amount (including the stated amount
that would be paid on  redemption,  liquidation  or otherwise,  plus accrued and
unpaid  Distributions  to  the  date  upon  which  the  voting  percentages  are
determined) of all of the Preferred Securities.

         "Officers'   Certificate"   means,   with  respect  to  any  Person,  a
certificate  signed by two  authorized  officers of such Person.  Any  Officers'
Certificate  delivered  with respect to compliance  with a condition or covenant
provided for in this Preferred Securities Guarantee shall include:

         (a)......a   statement   that  each  officer   signing  the   Officers'
Certificate  has read the  covenant or  condition  and the  definition  relating
thereto;

         (b)......a  brief  statement of the nature and scope of the examination
or  investigation   undertaken  by  each  officer  in  rendering  the  Officers'
Certificate;

         (c)......a  statement that each such officer has made such  examination
or  investigation  as, in such  officer's  opinion,  is necessary to enable such
officer to express an  informed  opinion as to whether or not such  covenant  or
condition has been complied with; and

         (d)......a  statement  as to  whether,  in the  opinion  of  each  such
officer, such condition or covenant has been complied with.

         "Person" means a legal person,  including any individual,  corporation,
estate, partnership,  joint venture,  association,  joint stock company, limited
liability  company,  trust,  unincorporated  association,  or  government or any
agency or political subdivision thereof, or any other entity of whatever nature.

         "Preferred  Guarantee  Trustee"  means  State  Street  Bank  and  Trust
Company,  until a Successor  Preferred  Guarantee Trustee has been appointed and
has accepted such appointment pursuant to the terms of this Preferred Securities
Guarantee and thereafter means each such Successor Preferred Guarantee Trustee.

         "Redemption  Price" has the meaning provided therefor in the definition
of Guarantee Payments.

         "Responsible  Officer" means,  with respect to the Preferred  Guarantee
Trustee,  any  officer  within  the  Corporate  Trust  Office  of the  Preferred
Guarantee Trustee,  including any vice-president,  any assistant vice-president,
any assistant secretary, the treasurer, any assistant treasurer or other officer
of the Corporate  Trust Office of the Preferred  Guarantee  Trustee  customarily
performing  functions  similar to those performed by any of the above designated
officers and also means,  with respect to a particular  corporate  trust matter,
any other  officer to whom such  matter is  referred  because of that  officer's
knowledge of and familiarity with the particular subject.

         "Successor  Preferred  Guarantee  Trustee" means a successor  Preferred
Guarantee Trustee  possessing the  qualifications to act as Preferred  Guarantee
Trustee under Section 4.1.

         "Trust  Indenture  Act"  means  the  Trust  Indenture  Act of 1939,  as
amended,  as in  force  at the  date of  which  this  instrument  was  executed;
provided,  however,  that in the  event  the  Trust  Indenture  Act of 1939,  as
amended,  is amended after such date, "Trust Indenture Act" means, to the extent
required by any such amendment, the Trust Indenture Act of 1939, as so amended.

                                   ARTICLE II.
                               TRUST INDENTURE ACT

         Section 2.1.      Trust Indenture Act; Application.

         (a)......This   Preferred   Securities  Guarantee  is  subject  to  the
provisions  of the  Trust  Indenture  Act that are  required  to be part of this
Preferred Securities Guarantee and shall, to the extent applicable,  be governed
by such provisions.

         (b)......If  and to the extent  that any  provision  of this  Preferred
Securities  Guarantee limits,  qualifies or conflicts with the duties imposed by
Section 310 to 317,  inclusive,  of the Trust Indenture Act, such imposed duties
shall control.

         Section 2.2.      The List of Holders of the Securities.

         (a)......In the event the Preferred  Guarantee  Trustee is not also the
Securities  Registrar,  the  Guarantor  shall  provide the  Preferred  Guarantee
Trustee  with a  list,  in such  form as the  Preferred  Guarantee  Trustee  may
reasonably  require,  of the names and addresses of the Holders of the Preferred
Securities  (the "List of Holders")  as of such date,  (i) within 1 Business Day
after  January 1 and June 30 of each year,  and (ii) at any other time within 30
days of receipt by the  Guarantor of a written  request for a List of Holders as
of a date no more  than 15 days  before  such  List of  Holders  is given to the
Preferred Guarantee Trustee; provided, that the Guarantor shall not be obligated
to provide  such List of Holders at any time the List of Holders does not differ
from the most recent List of Holders given to the Preferred Guarantee Trustee by
the Guarantor.  The Preferred  Guarantee Trustee may destroy any List of Holders
previously given to it on receipt of a new List of Holders.

         (b)......The   Preferred   Guarantee  Trustee  shall  comply  with  its
obligations  under  Sections  311(a),  311(b)  and  Section  312(b) of the Trust
Indenture Act.

         Section 2.3. Reports by the Preferred  Guarantee Trustee.  On or before
July 15 of each year,  the  Preferred  Guarantee  Trustee  shall  provide to the
Holders of the Preferred  Securities such reports as are required by Section 313
of the Trust  Indenture  Act, if any, in the form and in the manner  provided by
Section 313 of the Trust  Indenture Act. The Preferred  Guarantee  Trustee shall
also comply with the requirements of Section 313(d) of the Trust Indenture Act.

         Section 2.4. Periodic Reports to the Preferred  Guarantee Trustee.  The
Guarantor  shall  provide to the  Preferred  Guarantee  Trustee such  documents,
reports and  information  as required by Section 314 (if any) and the compliance
certificate  required by Section 314 of the Trust  Indenture Act in the form, in
the manner and at the times required by Section 314 of the Trust Indenture Act.

         Section 2.5.  Evidence of Compliance  with  Conditions  Precedent.  The
Guarantor  shall  provide to the  Preferred  Guarantee  Trustee such evidence of
compliance with any conditions precedent, if any, provided for in this Preferred
Securities  Guarantee  that  relate to any of the  matters  set forth in Section
314(c) of the Trust  Indenture Act. Any  certificate  or opinion  required to be
given by an officer pursuant to Section 314(c)(1) may be given in the form of an
Officers' Certificate.

         Section 2.6.  Events of Default;  Waiver.  The Holders of a Majority in
Liquidation  Amount of the Preferred  Securities  may, by vote, on behalf of the
Holders of all of the Preferred Securities,  waive any past Event of Default and
its  consequences.  Upon such waiver,  any such Event of Default  shall cease to
exist,  and any Event of Default arising  therefrom shall be deemed to have been
cured,  for every purpose of this Preferred  Securities  Guarantee,  but no such
waiver shall extend to any  subsequent  or other  default or Event of Default or
impair any right consequent thereon.

         Section 2.7.      Event of Default; Notice.

         (a)......The  Preferred  Guarantee Trustee shall,  within 90 days after
the  occurrence  of an Event of Default,  transmit by mail,  first class postage
prepaid,  to the Holders of the Preferred  Securities,  notices of all Events of
Default  actually  known to a  Responsible  Officer of the  Preferred  Guarantee
Trustee,  unless such defaults have been cured before the giving of such notice;
provided, that the Preferred Guarantee Trustee shall be protected in withholding
such notice if and so long as a Responsible  Officer of the Preferred  Guarantee
Trustee in good faith  determines  that the withholding of such notice is in the
interests of the Holders of the Preferred Securities.

         (b)......The  Preferred  Guarantee  Trustee shall not be deemed to have
knowledge of any Event of Default unless the Preferred  Guarantee  Trustee shall
have received written notice, or of which a Responsible Officer of the Preferred
Guarantee  Trustee charged with the  administration of the Trust Agreement shall
have obtained actual knowledge of such Event of Default.

         Section 2.8. Conflicting Interests. The Trust Agreement shall be deemed
to be  specifically  described in this  Preferred  Securities  Guarantee for the
purposes of clause (i) of the first proviso  contained in Section  310(b) of the
Trust Indenture Act.

                                  ARTICLE III.
                            POWERS, DUTIES AND RIGHTS
                       OF THE PREFERRED GUARANTEE TRUSTEE

         Section 3.1.      Powers and Duties of the Preferred Guarantee Trustee.

         (a)......This  Preferred  Securities  Guarantee  shall  be  held by the
Preferred  Guarantee  Trustee for the  benefit of the  Holders of the  Preferred
Securities,  and  the  Preferred  Guarantee  Trustee  shall  not  transfer  this
Preferred  Securities  Guarantee  to any  Person  except a Holder  of  Preferred
Securities  exercising  his or her rights  pursuant  to  Section  5.4(b) or to a
Successor  Preferred Guarantee Trustee on acceptance by such Successor Preferred
Guarantee  Trustee of its  appointment to act as Successor  Preferred  Guarantee
Trustee.  The right, title and interest of the Preferred Guarantee Trustee shall
automatically  vest in any  Successor  Preferred  Guarantee  Trustee,  and  such
vesting and  cessation of title shall be effective  whether or not  conveyancing
documents have been executed and delivered  pursuant to the  appointment of such
Successor Preferred Guarantee Trustee.

         (b)......If an Event of Default actually known to a Responsible Officer
of the Preferred Guarantee Trustee has occurred and is continuing, the Preferred
Guarantee  Trustee shall  enforce this  Preferred  Securities  Guarantee for the
benefit of the Holders of the Preferred Securities.

         (c)......The Preferred Guarantee Trustee,  before the occurrence of any
Event of Default  and after the  curing of all  Events of Default  that may have
occurred,  shall undertake to perform only such duties as are  specifically  set
forth in this Preferred Securities Guarantee,  and no implied covenants shall be
read into this Preferred  Securities  Guarantee against the Preferred  Guarantee
Trustee.  In case an Event of Default has  occurred  (that has not been cured or
waived  pursuant to Section 2.6) and is actually known to a Responsible  Officer
of the  Preferred  Guarantee  Trustee,  the  Preferred  Guarantee  Trustee shall
exercise such of the rights and powers vested in it by this Preferred Securities
Guarantee, and use the same degree of care and skill in its exercise thereof, as
a prudent person would exercise or use under the circumstances in the conduct of
his or her own affairs.

         (d)......No  provision of this Preferred  Securities Guarantee shall be
construed to relieve the Preferred  Guarantee Trustee from liability for its own
negligent  action,  its  own  negligent  failure  to  act,  or its  own  willful
misconduct, except that:

                  (i) prior to the  occurrence of any Event of Default and after
         the  curing or  waiving  of all such  Events of  Default  that may have
         occurred:

                           (A)  the  duties  and  obligations  of the  Preferred
                  Guarantee  Trustee shall be  determined  solely by the express
                  provisions of this  Preferred  Securities  Guarantee,  and the
                  Preferred Guarantee Trustee shall not be liable except for the
                  performance of such duties and obligations as are specifically
                  set  forth  in this  Preferred  Securities  Guarantee,  and no
                  implied  covenants  or  obligations  shall be read  into  this
                  Preferred Securities Guarantee against the Preferred Guarantee
                  Trustee; and

                           (B) in the  absence  of bad  faith on the part of the
                  Preferred  Guarantee Trustee,  the Preferred Guarantee Trustee
                  may  conclusively  rely, as to the truth of the statements and
                  the correctness of the opinions  expressed  therein,  upon any
                  certificates or opinions furnished to the Preferred  Guarantee
                  Trustee and conforming to the  requirements  of this Preferred
                  Securities Guarantee; but in the case of any such certificates
                  or  opinions  that by any  provision  hereof are  specifically
                  required to be furnished to the Preferred  Guarantee  Trustee,
                  the  Preferred  Guarantee  Trustee  shall  be  under a duty to
                  examine the same to  determine  whether or not they conform to
                  the requirements of this Preferred Securities Guarantee;

                  (ii) the Preferred  Guarantee  Trustee shall not be liable for
         any error of judgment  made in good faith by a  Responsible  Officer of
         the  Preferred  Guarantee  Trustee,  unless it shall be proved that the
         Preferred Guarantee Trustee was negligent in ascertaining the pertinent
         facts upon which such judgment was made;

                  (iii) the Preferred Guarantee Trustee shall not be liable with
         respect to any action  taken or omitted to be taken by it in good faith
         in  accordance  with the  direction  of the  Holders of not less than a
         Majority in Liquidation Amount of the Preferred  Securities relating to
         the time,  method and place of conducting any proceeding for any remedy
         available to the Preferred  Guarantee Trustee,  or exercising any trust
         or power  conferred  upon the  Preferred  Guarantee  Trustee under this
         Preferred Securities Guarantee; and

                  (iv) no provision of this Preferred Securities Guarantee shall
         require the Preferred Guarantee Trustee to expend or risk its own funds
         or otherwise incur personal  financial  liability in the performance of
         any of its duties or in the exercise of any of its rights or powers, if
         the  Preferred  Guarantee  Trustee  shall have  reasonable  grounds for
         believing  that  the  repayment  of  such  funds  or  liability  is not
         reasonably  assured to it under the terms of this Preferred  Securities
         Guarantee  or  indemnity,  reasonably  satisfactory  to  the  Preferred
         Guarantee  Trustee,  against such risk or  liability is not  reasonably
         assured to it.

         Section 3.2.      Certain Rights of the Preferred Guarantee Trustee.

         (a)......Subject to the provisions of Section 3.1:

                  (i) the Preferred Guarantee Trustee may conclusively rely, and
         shall be fully  protected in acting or refraining from acting upon, any
         resolution,   certificate,   statement,  instrument,  opinion,  report,
         notice,  request,  direction,  consent,  order, bond, debenture,  note,
         other evidence of indebtedness  or other paper or document  believed by
         it to be genuine  and to have been  signed,  sent or  presented  by the
         proper party or parties;

                  (ii) any  direction or act of the  Guarantor  contemplated  by
         this Preferred Securities Guarantee shall be sufficiently  evidenced by
         an Officers' Certificate;

                  (iii)  whenever,  in  the  administration  of  this  Preferred
         Securities  Guarantee,  the Preferred  Guarantee  Trustee shall deem it
         desirable  that a  matter  be  proved  or  established  before  taking,
         suffering or omitting any action  hereunder,  the  Preferred  Guarantee
         Trustee (unless other evidence is herein specifically  prescribed) may,
         in the absence of bad faith on its part,  request and conclusively rely
         upon an Officers'  Certificate  which,  upon  receipt of such  request,
         shall be promptly delivered by the Guarantor;

                  (iv) the Preferred Guarantee Trustee shall have no duty to see
         to any  recording,  filing or  registration  of any  instrument (or any
         rerecording, refiling or registration thereof);

                  (v) the Preferred  Guarantee Trustee may consult with counsel,
         and the written advice or opinion of such counsel with respect to legal
         matters  shall be full and complete  authorization  and  protection  in
         respect of any action  taken,  suffered or omitted by it  hereunder  in
         good faith and in accordance with such advice or opinion.  Such counsel
         may be  counsel  to the  Guarantor  or any of its  Affiliates  and  may
         include any of its  employees.  The Preferred  Guarantee  Trustee shall
         have  the  right  at any  time  to  seek  instructions  concerning  the
         administration of this Preferred Securities Guarantee from any court of
         competent jurisdiction;

                  (vi)  the  Preferred  Guarantee  Trustee  shall  be  under  no
         obligation to exercise any of the rights or powers vested in it by this
         Preferred  Securities  Guarantee  at the  request or  direction  of any
         Holder,  unless  such  Holder  shall  have  provided  to the  Preferred
         Guarantee Trustee such security and indemnity,  reasonably satisfactory
         to  the  Preferred  Guarantee  Trustee,  against  the  costs,  expenses
         (including  attorneys'  fees  and  expenses  and  the  expenses  of the
         Preferred  Guarantee  Trustee's  agents,  nominees or  custodians)  and
         liabilities that might be incurred by it in complying with such request
         or direction, including such reasonable advances as may be requested by
         the Preferred  Guarantee  Trustee;  provided that, nothing contained in
         this  Section  3.2(a)(vi)  shall  be  taken to  relieve  the  Preferred
         Guarantee Trustee,  upon the occurrence of an Event of Default,  of its
         obligation  to  exercise  the rights  and  powers  vested in it by this
         Preferred Securities Guarantee;

                  (vii) the  Preferred  Guarantee  Trustee shall not be bound to
         make  any  investigation  into  the  facts  or  matters  stated  in any
         resolution,   certificate,   statement,  instrument,  opinion,  report,
         notice,  request,  direction,  consent,  order, bond, debenture,  note,
         other  evidence of  indebtedness  or other paper or  document,  but the
         Preferred Guarantee Trustee,  in its discretion,  may make such further
         inquiry or investigation into such facts or matters as it may see fit;

                  (viii) the Preferred  Guarantee Trustee may execute any of the
         trusts or powers  hereunder  or  perform  any duties  hereunder  either
         directly or by or through  agents,  nominees,  custodians or attorneys,
         and the Preferred  Guarantee  Trustee shall not be responsible  for any
         misconduct or negligence on the part of any agent or attorney appointed
         with due care by it hereunder;

                  (ix) no third  party  shall be  required  to inquire as to the
         authority  of the  Preferred  Guarantee  Trustee to so act or as to its
         compliance  with any of the  terms  and  provisions  of this  Preferred
         Securities Guarantee,  both of which shall be conclusively evidenced by
         the Preferred Guarantee Trustee's or its agent's taking such action;

                  (x)  whenever  in  the   administration   of  this   Preferred
         Securities  Guarantee  the  Preferred  Guarantee  Trustee shall deem it
         desirable to receive  instructions with respect to enforcing any remedy
         or right or taking any other action hereunder,  the Preferred Guarantee
         Trustee (A) may request  instructions from the Holders of a Majority in
         Liquidation  Amount of the Preferred  Securities,  (B) may refrain from
         enforcing  such remedy or right or taking such other  action until such
         instructions  are received,  and (C) shall be protected in conclusively
         relying on or acting in accordance with such instructions.

         (b)......No  provision of this Preferred  Securities Guarantee shall be
deemed to impose any duty or obligation on the  Preferred  Guarantee  Trustee to
perform  any  act or acts or  exercise  any  right,  power,  duty or  obligation
conferred or imposed on it in any jurisdiction in which it shall be illegal,  or
in which the Preferred  Guarantee Trustee shall be unqualified or incompetent in
accordance  with  applicable law, to perform any such act or acts or to exercise
any such right,  power,  duty or  obligation.  No permissive  power or authority
available to the Preferred Guarantee Trustee shall be construed to be a duty.

         Section 3.3. Not Responsible for Recitals or Issuance of Guarantee. The
Recitals  contained in this  Guarantee  shall be taken as the  statements of the
Guarantor,   and  the   Preferred   Guarantee   Trustee   does  not  assume  any
responsibility for their correctness.  The Preferred  Guarantee Trustee makes no
representation  as to the validity or sufficiency  of this Preferred  Securities
Guarantee.

                                   ARTICLE IV.
                         THE PREFERRED GUARANTEE TRUSTEE

         Section 4.1.      The Preferred Guarantee Trustee; Eligibility.

         (a)......There  shall at all  times be a  Preferred  Guarantee  Trustee
which shall:

                  (i)      not be an Affiliate of the Guarantor; and

                  (ii) be a corporation  organized and doing  business under the
         laws of the United  States or any state or territory  thereof or of the
         District of  Columbia,  or a  corporation  or Person  permitted  by the
         Securities and Exchange  Commission to act as an institutional  trustee
         under the Trust Indenture Act,  authorized  under such laws to exercise
         corporate  trust  powers,  having a combined  capital and surplus of at
         least  $50,000,000,  and  subject  to  supervision  or  examination  by
         federal, state,  territorial or District of Columbia authority. If such
         corporation publishes reports of condition at least annually,  pursuant
         to law or to the requirements of the supervising or examining authority
         referred to above,  then, for the purposes of this Section  4.1(a)(ii),
         the combined capital and surplus of such corporation shall be deemed to
         be its  combined  capital  and  surplus as set forth in its most recent
         report of condition so published.

         (b)......If at any time the Preferred  Guarantee Trustee shall cease to
be eligible to so act under  Section  4.1(a),  the Preferred  Guarantee  Trustee
shall  immediately  resign in the  manner and with the effect set out in Section
4.2(c).

         (c)......If  the Preferred  Guarantee  Trustee has or shall acquire any
"conflicting  interest"  within  the  meaning  of  Section  310(b)  of the Trust
Indenture Act, the Preferred  Guarantee  Trustee and the Guarantor  shall in all
respects  comply with the  provisions of Section  310(b) of the Trust  Indenture
Act.

         Section 4.2.  Appointment,  Removal and  Resignation  of the  Preferred
Guarantee Trustee.

         (a)......Subject to Section 4.2(b), the Preferred Guarantee Trustee may
be appointed or removed without cause at any time by the Guarantor.

         (b)......The  Preferred  Guarantee  Trustee  shall  not be  removed  in
accordance with Section 4.2(a) until a Successor Preferred Guarantee Trustee has
been appointed and has accepted such appointment by written instrument  executed
by such Successor Preferred Guarantee Trustee and delivered to the Guarantor.

         (c)......The Preferred Guarantee Trustee appointed to office shall hold
office until a Successor  Preferred  Guarantee Trustee shall have been appointed
or until its removal or resignation.  The Preferred Guarantee Trustee may resign
from office  (without need for prior or subsequent  accounting) by an instrument
in writing  executed by the  Preferred  Guarantee  Trustee and  delivered to the
Guarantor,  which resignation shall not take effect until a Successor  Preferred
Guarantee  Trustee has been  appointed  and has  accepted  such  appointment  by
instrument in writing executed by such Successor Preferred Guarantee Trustee and
delivered to the Guarantor and the resigning Preferred Guarantee Trustee.

         (d)......If no Successor  Preferred  Guarantee  Trustee shall have been
appointed  and  accepted  appointment  as provided in this Section 4.2 within 60
days after  delivery to the  Guarantor  of an  instrument  of  resignation,  the
resigning  Preferred  Guarantee  Trustee  may  petition  any court of  competent
jurisdiction for appointment of a Successor  Preferred  Guarantee Trustee.  Such
court may  thereupon,  after  prescribing  such  notice,  if any, as it may deem
proper, appoint a Successor Preferred Guarantee Trustee.

         (e)......No Preferred Guarantee Trustee shall be liable for the acts or
omissions to act of any Successor Preferred Guarantee Trustee.

         (f)......Upon  termination  of this Preferred  Securities  Guarantee or
removal or  resignation  of the  Preferred  Guarantee  Trustee  pursuant to this
Section 4.2, the Guarantor shall pay to the Preferred Guarantee Trustee all fees
and expenses accrued to the date of such termination, removal or resignation.

                                   ARTICLE V.
                                   GUARANTEE

         Section 5.1. Guarantee.  The Guarantor  irrevocably and unconditionally
agrees to pay in full to the Holders the Guarantee Payments (without duplication
of amounts  theretofore paid by the Trust),  as and when due,  regardless of any
defense, right of set-off or counterclaim that the Trust may have or assert. The
Guarantor's  obligation  to make a Guarantee  Payment may be satisfied by direct
payment of the  required  amounts by the  Guarantor to the Holders or by causing
the Trust to pay such amounts to the Holders.

         Section 5.2. Waiver of Notice and Demand.  The Guarantor  hereby waives
notice of acceptance of this Preferred Securities Guarantee and of any liability
to which it applies or may apply, presentment,  demand for payment, any right to
require  a  proceeding  first  against  the  Trust or any  other  Person  before
proceeding  against the  Guarantor,  protest,  notice of  nonpayment,  notice of
dishonor, notice of redemption and all other notices and demands.

         Section 5.3.  Obligations  not Affected.  The  obligations,  covenants,
agreements and duties of the Guarantor under this Preferred Securities Guarantee
shall in no way be affected or impaired by reason of the happening  from time to
time of any of the following:

         (a)......the  release or waiver,  by operation of law or otherwise,  of
the performance or observance by the Trust of any express or implied  agreement,
covenant, term or condition relating to the Preferred Securities to be performed
or observed by the Trust;

         (b)......the  extension  of time for the payment by the Trust of all or
any portion of the Distributions,  Redemption Price, Liquidation Distribution or
any  other  sums  payable  under the terms of the  Preferred  Securities  or the
extension of time for the performance of any other obligation under, arising out
of, or in connection with, the Preferred  Securities (other than an extension of
time for payment of Distributions, Redemption Price, Liquidation Distribution or
other sum payable that results from the extension of any interest payment period
on the  Debentures  or any  extension  of the  maturity  date of the  Debentures
permitted by the Indenture);

         (c)......any failure,  omission, delay or lack of diligence on the part
of the Holders to enforce,  assert or exercise  any right,  privilege,  power or
remedy  conferred  on the  Holders  pursuant  to  the  terms  of  the  Preferred
Securities,  or any  action  on the part of the  Trust  granting  indulgence  or
extension of any kind;

         (d)......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;

         (e)......any  invalidity  of, or defect or deficiency in, the Preferred
Securities;

         (f)......any  failure or omission to receive any regulatory approval or
consent  required in  connection  with the Preferred  Securities  (or the common
equity  securities  issued by the Trust),  including  the failure to receive any
approval of the Board of Governors of the Federal  Reserve  System  required for
the redemption of the Preferred Securities;

         (g)......the  settlement  or compromise  of any  obligation  guaranteed
hereby or hereby incurred; or

         (h)......any  other   circumstance   whatsoever  that  might  otherwise
constitute  a legal or equitable  discharge or defense of a guarantor,  it being
the intent of this Section 5.3 that the  obligations of the Guarantor  hereunder
shall be absolute and unconditional under any and all circumstances.

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

         Section 5.4.      Rights of the Holders.

         (a)......The  Holders  of a  Majority  in  Liquidation  Amount  of  the
Preferred  Securities  have the right to direct  the time,  method  and place of
conducting of any proceeding for any remedy available to the Preferred Guarantee
Trustee in respect of this  Preferred  Securities  Guarantee or  exercising  any
trust or power  conferred  upon  the  Preferred  Guarantee  Trustee  under  this
Preferred Securities Guarantee.

         (b)......Any  Holder of  Preferred  Securities  may  institute  a legal
proceeding  directly  against the  Guarantor  to enforce  its rights  under this
Preferred  Securities  Guarantee,  without first  instituting a legal proceeding
against the Trust, the Preferred Guarantee Trustee or any other Person.

         Section 5.5. Guarantee of Payment.  This Preferred Securities Guarantee
creates a guarantee of payment and not of collection.

         Section 5.6. Subrogation.  The Guarantor shall be subrogated to all (if
any)  rights of the  Holders of the  Preferred  Securities  against the Trust in
respect  of any  amounts  paid to  such  Holders  by the  Guarantor  under  this
Preferred Securities Guarantee;  provided, however, that the Guarantor shall not
(except to the extent  required by mandatory  provisions  of law) be entitled to
enforce or exercise any right that it may acquire by way of  subrogation  or any
indemnity, reimbursement or other agreement, in all cases as a result of payment
under this Preferred Securities Guarantee,  if, at the time of any such payment,
any amounts are due and unpaid under this Preferred Securities Guarantee. If any
amount shall be paid to the  Guarantor in violation of the  preceding  sentence,
the  Guarantor  agrees to hold such  amount in trust for the  Holders and to pay
over such amount to the Holders.

         Section 5.7. Independent  Obligations.  The Guarantor acknowledges that
its  obligations  hereunder are independent of the obligations of the Trust with
respect to the Preferred  Securities,  and that the Guarantor shall be liable as
principal and as debtor  hereunder to make  Guarantee  Payments  pursuant to the
terms of this Preferred Securities  Guarantee  notwithstanding the occurrence of
any event referred to in subsections (a) through (h), inclusive,  of Section 5.3
hereof.

         Section 5.8. Right to Elect  Directors.  If at any time or from time to
time any  Distributions  payable on the Preferred  Securities are in arrears for
six  quarterly  periods,  then  the  Holders  of  Preferred  Securities,  voting
separately  as a class,  will be entitled to elect two  directors,  as a special
class of directors (the  "Preferred  Directors"),  to the  Guarantor's  Board of
Directors  at the next  special  or annual  meeting of the  shareholders  of the
Guarantor.

         The Preferred  Directors  shall serve one-year terms on the Guarantor's
Board  of  Directors,  commencing  on the date of their  election  and  shall be
eligible for  re-election for an unlimited  number of one year terms;  provided,
however,  that such terms shall immediately  terminate upon the Guarantor curing
the  arrearage  described in this Section 5.8 by paying or  depositing  with the
Trustee a sum sufficient to pay all such arrearages.

         The  Guarantor  and the Trust agree that the election of the  Preferred
Directors and any related proxy solicitation shall be governed by, to the extent
applicable,  the laws of the State of Kansas,  federal  laws and the  Securities
Exchange Commission's Rules and Regulations as in effect at the time of any such
election and solicitation.

                                   ARTICLE VI.
                    LIMITATION OF TRANSACTIONS; SUBORDINATION

         Section  6.1.  Limitation  on  Transactions.  So  long  as  any  of the
Preferred Securities remain outstanding,  if any of the circumstances  described
in Section 5.6 of the  Indenture  shall have  occurred,  then (a) the  Guarantor
shall not declare or pay any  dividend on, make any  distributions  with respect
to, or redeem, purchase,  acquire or make a liquidation payment with respect to,
any of its capital stock (other than  (i) dividends  or  distributions in common
stock of the Guarantor or any  declaration of a non-cash  dividend in connection
with the  implementation of a shareholder  rights plan, or the issuance of stock
under any such plan in the future,  or the  redemption or repurchase of any such
rights pursuant  thereto,  and  (ii) purchases  of common stock of the Guarantor
related  to the  rights  under  any of the  Guarantor's  benefit  plans  for its
directors,  officers or  employees  of),  (b) the  Guarantor  shall not make any
payment of  principal  or  interest on or repay,  repurchase  or redeem any debt
securities  issued by the Guarantor  which rank pari passu with or junior to the
Debentures other than payments under this Preferred Securities Guarantee and (c)
the  Guarantor  shall  not  redeem,  purchase  or  acquire  less than all of the
Outstanding Debentures or any of the Preferred Securities.

         Section  6.2  Ranking.   This  Preferred   Securities   Guarantee  will
constitute  an  unsecured   obligation  of  the  Guarantor  and  will  rank  (a)
subordinate and junior in right of payment to all Senior Debt, Subordinated Debt
and  Additional  Senior  Obligations  (as  defined  in  the  Indenture)  of  the
Guarantor,  (b)  pari  passu  with  the  most  senior  preferred  securities  or
preference stock now or hereafter issued by the Guarantor and with any guarantee
now or  hereafter  entered  into by the  Guarantor  in respect of any  preferred
securities or preference stock of any Affiliate of the Guarantor, and (c) senior
to the Guarantor's common stock.

                                  ARTICLE VII.
                                  TERMINATION

         Section 7.1.  Termination.  This Preferred  Securities  Guarantee shall
terminate  upon (a) full payment of the  Redemption  Price of all the  Preferred
Securities, (b) full payment of the amounts payable in accordance with the Trust
Agreement upon  liquidation of the Trust, or (c)  distribution of the Debentures
to the Holders of the Preferred Securities.  Notwithstanding the foregoing, this
Preferred  Securities  Guarantee  shall  continue  to be  effective  or shall be
reinstated,  as the  case  may  be,  if at any  time  any  Holder  of  Preferred
Securities must restore payment of any sums paid under the Preferred  Securities
or under this Preferred Securities Guarantee.

                                  ARTICLE VIII.
                                 INDEMNIFICATION

         Section 8.1.      Exculpation.

         (a)......No   Indemnified  Person  shall  be  liable,   responsible  or
accountable  in damages or otherwise to the Guarantor or any Covered  Person for
any loss, damage or claim incurred by reason of any act or omission performed or
omitted  by such  Indemnified  Person  in good  faith in  accordance  with  this
Preferred  Securities  Guarantee  and in a manner that such  Indemnified  Person
reasonably  believed to be within the scope of the  authority  conferred on such
Indemnified Person by this Preferred Securities Guarantee or by law, except that
an  Indemnified  Person  shall be  liable  for any such  loss,  damage  or claim
incurred by reason of such Indemnified Person's negligence or willful misconduct
with respect to such acts or omissions.

         (b)......An  Indemnified  Person shall be fully protected in relying in
good  faith  upon  the  records  of the  Guarantor  and upon  such  information,
opinions,  reports or statements  presented to the Guarantor by any Person as to
matters  the  Indemnified  Person  reasonably  believes  are  within  such other
Person's  professional  or  expert  competence  and who has been  selected  with
reasonable  care  by or on  behalf  of  the  Guarantor,  including  information,
opinions,  reports  or  statements  as to the  value and  amount of the  assets,
liabilities,  profits, losses, or any other facts pertinent to the existence and
amount of assets  from  which  Distributions  to the  Holders  of the  Preferred
Securities might properly be paid.

         Section 8.2.  Indemnification.  The Guarantor  agrees to indemnify each
Indemnified  Person for, and to hold each Indemnified  Person harmless  against,
any loss,  liability or expense incurred without  negligence or bad faith on its
part,  arising out of or in connection with the acceptance or  administration of
the trust or trusts  hereunder,  including  the  costs and  expenses  (including
reasonable   legal  fees  and  expenses)  of  defending   itself   against,   or
investigating,  any  claim or  liability  in  connection  with the  exercise  or
performance  of any  of its  powers  or  duties  hereunder.  The  obligation  to
indemnify as set forth in this Section 8.2 shall survive the termination of this
Preferred Securities Guarantee.

                                   ARTICLE IX.
                                  MISCELLANEOUS

         Section 9.1.  Successors  and Assigns.  All  guarantees  and agreements
contained in this  Preferred  Securities  Guarantee  shall bind the  successors,
assigns,  receivers,  trustees and  representatives  of the  Guarantor and shall
inure  to  the  benefit  of  the  Holders  of  the  Preferred   Securities  then
outstanding.

         Section 9.2. Amendments. Except with respect to any changes that do not
adversely  affect  the  rights of the  Holders  (in which case no consent of the
Holders will be  required),  this  Preferred  Securities  Guarantee  may only be
amended  with  the  prior  approval  of  the  Holders  of at  least  66-2/3%  in
Liquidation Amount of the Preferred Securities.  The provisions of Article VI of
the Trust  Agreement  with  respect to meetings of the Holders of the  Preferred
Securities apply to the giving of such approval.

         Section  9.3.  Notices.  All  notices  provided  for in this  Preferred
Securities  Guarantee shall be in writing,  duly signed by the party giving such
notice, and shall be delivered,  telecopied or mailed by registered or certified
mail, as follows:

         (a)......If given to the Preferred  Guarantee Trustee, at the Preferred
Guarantee  Trustee's  mailing  address set forth below (or such other address as
the  Preferred  Guarantee  Trustee  may give  notice  of to the  Holders  of the
Preferred Securities):

                             State Street Bank and Trust Company
                             Two International Place, 4th Floor
                             Boston, Massachusetts  02110
                             Attention: Corporate Trust Department

         (b)......If given to the Guarantor,  at the Guarantor's mailing address
set forth below (or such other  address as the  Guarantor  may give notice of to
the Holders of the Preferred Securities):

                             INTRUST Financial Corporation
                             105 North Main Street
                             Box One
                             Wichita, Kansas  67202
                             Attention: Chief Executive Officer

         (c)......If given to any Holder of Preferred Securities, at the address
set forth on the books and records of the Trust.

         All such  notices  shall be deemed to have been given when  received in
person,  telecopied  with  receipt  confirmed,  or mailed by first  class  mail,
postage prepaid except that if a notice or other document is refused delivery or
cannot be delivered  because of a changed  address of which no notice was given,
such notice or other document shall be deemed to have been delivered on the date
of such refusal or inability to deliver.

         Section 9.4. Benefit. This Preferred Securities Guarantee is solely for
the benefit of the Holders of the Preferred  Securities and,  subject to Section
3.1(a), is not separately transferable from the Preferred Securities.

         Section 9.5. Governing Law. THIS PREFERRED  SECURITIES  GUARANTEE SHALL
BE GOVERNED BY, AND CONSTRUED AND  INTERPRETED  IN ACCORDANCE  WITH, THE LAWS OF
THE STATE OF KANSAS.

<PAGE>


         This Preferred  Securities Guarantee is executed as of the day and year
first above written.


                                   INTRUST FINANCIAL CORPORATION,
                                   as Guarantor




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




                                   STATE STREET BANK AND TRUST COMPANY,
                                   as Preferred Guarantee Trustee




                                   By: _________________________________________
                                            Name:
                                            Title: