AMENDED TRANSACTION

Exhibit 10.13

[citigroup]

Date:	December 1, 2004
Amended:	December 9, 2004
To:	GOLD BANK – KANSAS
Attn:	Documentation Unit
Phone:	▇▇▇-▇▇▇-▇▇▇▇
Fax:	▇▇▇-▇▇▇-▇▇▇▇
From:	Citibank N.A., New York
	Confirmations Unit
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Phone:	▇-▇▇▇-▇▇▇-▇▇▇▇
Fax:	▇-▇▇▇-▇▇▇-▇▇▇▇
Our ref:	M047180
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, 2009, subject to adjustment in accordance with the Following
	Business Day Convention
Fixed Amounts
Fixed Rate Payer:	Citibank
Notional Amount:	USD 60,000,000.00
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:	6.84100 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 60,000,000.00

 

 

 

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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 Calculation Period
Method of Averaging:	Weighted Average
Business Days:	New York
Business Day Convention:	Following
Calculation Agent:	Citibank, or as stated in the Master Agreement.
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 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.

 

 

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(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:	▇▇▇▇▇▇▇▇ N.A. NEW YORK
	BIC: ▇▇▇▇▇▇▇▇
	ACCOUNT NO ▇▇▇▇▇▇▇▇
	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.

Accepted and confirmed as
of the Trade Date:

GOLD BANK – KANSAS

By. /s/ ▇▇▇▇ ▇▇▇▇▇▇▇▇
      Authorized Signatory

 

 

 

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