THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

Capitol Federal Financial (CFFN)

12/28/2005 Proxy Information

John C. Dicus is the father of Mr. John B. Dicus.

Capitol Federal Savings has followed a policy of granting loans to officers and directors. These loans are made in the ordinary course of business and on the same terms and conditions as those of comparable transactions with the general public prevailing at the time, in accordance with our underwriting guidelines, and do not involve more than the normal risk of collectibility or present other unfavorable features.

All loans that Capitol Federal Savings makes to directors and executive officers are subject to Office of Thrift Supervision regulations restricting loans and other transactions with affiliated persons of Capitol Federal Savings. Loans to all directors and executive officers and their associates totaled approximately $4.0 million at September 30, 2005, which was 0.5% of our equity at that date. All loans to directors and executive officers were performing in accordance with their terms at September 30, 2005.

Former Director Carl W. Quarnstrom, who retired from the Board in January 2005, is a partner in the law firm of Shaw, Hergenreter & Quarnstrom. The firm receives a retainer fee to serve as general counsel for Capitol Federal Savings regarding real estate and litigation issues. The legal fees received by the law firm for professional services rendered to Capitol Federal Savings during fiscal year 2005 were $70,817.

12/29/2004 Proxy Information

John C. Dicus is the father of Mr. John B. Dicus.

Capitol Federal Savings has followed a policy of granting loans to officers and directors. These loans are made in the ordinary course of business and on the same terms and conditions as those of comparable transactions with the general public prevailing at the time, in accordance with our underwriting guidelines, and do not involve more than the normal risk of collectibility or present other unfavorable features.

All loans that Capitol Federal Savings makes to directors and executive officers are subject to Office of Thrift Supervision regulations restricting loans and other transactions with affiliated persons of Capitol Federal Savings. Loans to all directors and executive officers and their associates totaled approximately $5.4 million at September 30, 2004, which was 0.7% of our equity at that date. All loans to directors and executive officers were performing in accordance with their terms at September 30, 2004.

Capitol Federal Financial's compensation plans and matters are administered by the Stock Benefit Committee and the Compensation Committee. The Stock Benefit Committee is composed of Directors Andersen and Ward. The Compensation Committee is currently composed of Directors Andersen (Chairperson), Maupin, Thompson and Ward. Mr. Maupin, who will be retiring from the Board upon the expiration of his current term at the annual meeting, is a former executive officer of Capitol Federal Savings, having retired in 1991 as Senior Executive Vice President and Chief Lending Officer.

12/30/2003 Proxy Information

John C. Dicus is the father of Mr. John B. Dicus.

Mr. Carl W. Quarnstrom is a partner in the law firm of Shaw, Hergenreter & Quarnstrom. The firm receives a retainer fee to serve as general counsel for Capitol Federal Savings regarding real estate and litigation issues. The legal fees received by the law firm for professional services rendered to Capitol Federal Savings during fiscal year 2003 were $86,513. Mr. Maupin is a former officer of Capitol Federal Savings, having retired in 1991 as Senior Executive Vice President and Chief Lending Officer.