citibank, n. a. 333 west 34th street, 2nd floor new york, ny 10001 exhibit 10. 18 date : august 13, 2003 to : gold bank corporation, inc. ( " counterparty " ) attention : rick tremblay, chief financial officer phone no. : 913 # # # - # # # - # # # # facsimile no : 913 # # # - # # # - # # # # from : citibank, n. a. new york ( " citibank " ) telefax no. : 212 # # # - # # # - # # # # date : august 13, 2003 to : gold bank corporation, inc. ( " counterparty " ) attention : rick tremblay, chief financial officer phone no. : 913 # # # - # # # - # # # # facsimile no : 913 # # # - # # # - # # # # from : citibank, n. a. new york ( " citibank " ) telefax no. : 212 # # # - # # # - # # # # transaction reference number : 35685 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