Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001Exhibit 10.20





CONFIRMATION







Date:
August 13, 2003To:
Gold Bank Corporation, Inc. ("Counterparty")Attention:
Rick Tremblay, Chief Financial OfficerPhone No.:
913-323-7703Facsimile No:
913-451-8004From:
Citibank, N.A. New York ("Citibank")Telefax No.:
212-615-8985










Transaction Reference Number: 35687





The purpose of this communication is to set forth the terms and conditions of the above-referenced transaction entered into on the Trade Date specified below (the "Transaction") between Citibank, N.A., New York ("Citibank") and Gold Bank Corporation, Inc. (" Counterparty"). This communication constitutes a "Confirmation" as referred to in the Agreement specified below.





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, the ISDA Master Agreement dated as of August 14, 2002, 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.





Each party will make each payment specified in this Confirmation as being payable by it, not later than the due date for value on that date in the place of the account specified below or otherwise specified in writing, in freely transferable funds and in the manner customary for payments in the required currency (as specified in section 4).








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





Transaction I







Trade Date:
August 13, 2003Effective Date:
August 15, 2003






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Termination Date:
May 16, 2011, subject to adjustment in accordance with the Modified Following Business Day Convention.




Fixed Amounts:







Fixed Rate Payer:

CitibankFixed Rate Payer Notional Amount:

USD 30,000,000.00Fixed Rate Payer Payment Dates:

Monthly, on the 1 st day of each month in each year, commencing September 1, 2003 to and including the Termination Date, subject to adjustment in accordance with the Modified Following Business Day ConventionFixed Rate:

5.40 percentFixed Rate Day Count Fraction:

Actual/360Fixed Rate Payer Business Days:

New YorkFixed Rate Payer Business Day Convention:

Modified Following




Floating Amounts:



Floating Rate Payer:

CounterpartyFloating Rate Payer Notional Amount:

USD 30,000,000.00Floating Rate Payer Payment Dates:

Monthly, on the 1 st day of each month in each year, commencing September 1, 2003 to and including the Termination Date, subject to adjustment in accordance with the Modified Following Business Day ConventionFloating Rate for initial Calculation Period:

To be determined two London Banking Days prior to the Effective Date.Floating Rate Option:

USD-LIBOR-BBA




Trade Date: August 13, 2003Reference: 35687Page 2 of 9Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001




Designated Maturity for the Calculation Periods from and including the Effective Date up to but excluding May 1, 2011:

1 MonthDesignated Maturity for the Calculation Periods from and including May 1, 2011 to and including the Termination Date:

Linear InterpolationFloating Rate Payer Spread:

Plus 1.77 percentFloating Rate Payer Day Count Fraction:

Actual/360Floating Rate Payer Reset Dates:

The first day of each Floating Rate Payer Calculation PeriodCompounding:

InapplicableFloating Rate Payer Business Days:

New YorkFloating Rate Payer Business Day Convention:

Modified Following




Transaction II





2. The Transaction to which this Confirmation relates is a Swaption, the terms of which are as follows:







Trade Date:

August 13, 2003Option Style:

EuropeanSeller:

CitibankBuyer:

CounterpartyExercise Business Days:

New York




Trade Date: August 13, 2003Reference: 35687Page 3 of 9Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001




Procedure for ExerciseExpiration Date:

The day that is two Exercise Business Days precedingMay 15, 2006Expiration Time:

12:00 noon New York timeMultiple Exercise:

InapplicableWritten Confirmation of Exercise:

Applicable, provided however, any failure to deliver written notice within the designated time period shall not in any way affect or suspend the effectiveness of the telephonic notice delivered during the Exercise Period.Automatic Exercise:

InapplicableSettlement TermsSettlement:

PhysicalThe particular terms of the Underlying Swap Transaction to which the Swaption relates are as follows:Notional Amount:

USD 30,000,000.00Trade Date:

August 13, 2003Effective Date:

May 15, 2006Termination Date:

May 16, 2011, subject to adjustment in accordance with the Modified Following Business Day Convention.




Fixed Amounts:







Fixed Rate Payer:

CounterpartyFixed Rate Payer Payment Dates:

Monthly, on the 1st day of each month in each year, commencing June 1, 2006 to and including the Termination Date, subject to adjustment in accordance with the Modified Following Business Day ConventionFixed Rate:

5.40 percent




Trade Date: August 13, 2003Reference: 35687Page 4 of 9Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001




Fixed Rate Day Count Fraction:

Actual/360




Floating Amounts:







Floating Rate Payer:

CitibankFloating Rate Payer Payment Dates:

Monthly, on the 1 st day of each month in each year, commencing June 1, 2006 to and including the Termination Date, subject to adjustment in accordance with the Modified Following Business Day ConventionFloating Rate for initial Calculation Period:

To be determined two London Banking Days prior to the Effective Date.Floating Rate Option:

USD-LIBOR-BBADesignated Maturity for the Calculation Periods from and including the Effective Date up to but excluding June 1, 2006:

Linear InterpolationDesignated Maturity for the Calculation Periods from and including June 1, 2006 up to but excluding May 1, 2011:

1 MonthDesignated Maturity for the Calculation Periods from and including May 1, 2011 to and including the Termination Date:

Linear InterpolationFloating Rate Payer Day Count Fraction:

Actual/360Reset Dates:

The first day of each Floating Rate Payer Calculation PeriodCompounding:

InapplicableBusiness Days:

New YorkCalculation Agent:

Citibank, N.A. New York, or as stated per the Master Agreement




Trade Date: August 13, 2003Reference: 35687Page 5 of 9Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001


3. Cash Settlement Provision (unwind procedure):








Provided that no Event of Default or event with which the giving of notice or the lapse of time, or both, would constitute such an Event of Default shall have occurred and be continuing, and provided that no Early Termination Date has been designated with respect to any Transaction, Counterparty may require either or both such Transactions to be terminated and the remaining payment obligations under such Transaction to be settled and discharged on any Business Day, subject to adjustment in accordance with the Modified Following Business Day Convention (the "Cash Settlement Date") by telephonic notice to the other party at approximately 11:00 a.m., New York time, on the day that is five Business Days prior to the Cash Settlement Date. If such notice is given, an amount (the "Cash Settlement Amount") shall be calculated as provided below on the day that is two Business Days prior to the Cash Settlement Date (the "Cash Settlement Determination Date"), and the remaining payment obligations of each party under such Transaction shall be settled and discharged by payment of the Cash Settlement Amount on the Cash Settlement Date.


"Cash Settlement Amount" means: (1) an amount agreed for that purpose by the parties at approximately 11:00 a.m., New York time, on the Cash Settlement Determination Date or at such other time as the parties may agree for such purpose (in either case, the "Determination Time"), or (2) if such an agreement cannot be reached, the amount which would be payable if (a) the Cash Settlement Date was an Early Termination Date (provided that the Cash Settlement Amount shall be determined at the Determination Time and paid for value on the Cash Settlement Date), (b) such Transaction was the only Terminated Transaction, (c) the Termination Currency was U.S. Dollars, and (d) the amount due in respect of such Early Termination Date was calculated in accordance with Section 6(e)(ii)(2)(A) of the Agreement; provided, however, that notwithstanding any contrary provision of the definitions of "Settlement Amount" or "Market Quotation" or any other provision of the Agreement, quotations shall be solicited from five leading dealers in the U.S. Dollar interest rate swap market which would qualify as "Reference Market-makers" if selected for that purpose by either party (the "Selected Dealers"), each of the Selected Dealers shall be instructed to provide quotations of the market value of such Transaction and the parties shall obtain such quotations in concert or as agreed between themselves at the Determination Time.


A Cash Settlement Amount which is agreed upon by the parties shall be paid by the party designated in such agreement. A Cash Settlement Amount calculated in accordance with Section 6(e)(ii)(2)(A) of the Agreement shall be paid by the party which would be designated as the payer of such an amount under the Agreement. Upon payment of the Cash Settlement Amount payable on the Cash Settlement Date, this Transaction shall terminate and neither party shall have any further rights or obligations hereunder.







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4. Netting of Payments





All payments in both transactions will be netted so only one payment will be delivered per payment period.





5. Credit Provisions





All provisions contained in the Credit Support Annex dated August 14, 2002 will govern this Confirmation except as expressly modified below:





a) Counterparty as Party B as defined in the Credit Support Annex shall post an Independent Amount equal to 2% of Floating Rate Payer notional amount.








b) Gold Bank, a Kansas State chartered bank, remains well capitalized according to regulatory guidelines or Citibank has the right to terminate the Transaction or request additional collateral





c) Gold Bank, a Kansas State chartered bank remains directly or indirectly wholly-owned by the Counterparty or Citibank has the right to terminate the Transaction or request additional collateral.





d) There is a mutual puts on 8/15/08 as specified in section 6 below. If exercised then both transactions are terminated.








6. Optional Early Termination :







Optional Early Termination:

ApplicableOption Style:

EuropeanExercise Business Days:

New York and LondonProcedure for Exercise:Expiration Date:

Five Exercise Business Days preceding the Cash Settlement Payment DateEarliest Exercise Time:

9:00 a.m. New York timeExpiration Time:

11:00 a.m. New York timeSettlement Terms:Cash Settlement:

ApplicableCash Settlement Valuation Time:

11:00 a.m. New York time




Trade Date: August 13, 2003Reference: 35687Page 7 of 9Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001




Cash Settlement Valuation Date:

Two Valuation Business Days preceding the Cash Settlement Payment Date.Valuation Business Days:

New York and LondonCash Settlement Payment Date:

August 15, 2008Business Day Convention forCash Settlement PaymentDate:

Modified FollowingCash Settlement Method:

Cash PriceCash Settlement Reference Banks:

Five leading dealers in the relevant swap market determined by the parties in good faith on the Exercise Date at the Expiration timeQuotation Rate:

Mid




7. Account Details :







Payments to Citibank:
Account for payments:Citibank, N.A. New YorkABA # 021000089Account No. 00167679Financial FuturesReference Swap: 35687Payments to Counterparty:
Account for payments:Gold Banc-LeawoodABA #: 101102315Account No.: 1006450976Gold Banc Corporation Inc.Reference Swap 35687.






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|Citibank, N.A.333 West 34th Street, 2nd Floor New York, NY 10001
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Counterpartyhereby agrees (a) to check this Confirmation (Reference No.: 35687) carefully and immediately upon receipt so that errors or discrepancies can be promptly identified and rectified and (b) to confirm that the foregoing correctly sets forth the terms of the agreement between Citibank, N.A. New York andCounterpartywith respect to the particular Transaction to which this Confirmation relates, by manually signing this Confirmation and providing the other information requested herein and immediately returning an executed copy to Facsimile No. 212-615-8985




Very truly yours,





CITIBANK, N.A. NEW YORK





By:








Agreed and Accepted By:





Gold Bank Corporation, Inc.








By:_________________________





Name: Rick Tremblay





Title: Chief Financial Officer










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