Capitol Federal Financial CFFN

Kent G. Townsend. Mr. Townsend, age 64, serves as Executive Vice President and Chief Financial Officer of the Bank and the Company. Mr. Townsend also serves as Treasurer for the Company, Capitol Federal Loan Company LP, Capitol Federal Loan Services Company LLC, Capitol Federal Partners, LLC, Capitol Funds, Inc., a wholly owned subsidiary of the Bank (Capitol Funds), and Capitol Federal Mortgage Reinsurance Company, a wholly owned subsidiary of Capitol Funds (CFMRC). Mr. Townsend was promoted to Executive Vice President, Chief Financial Officer and Treasurer in September 2005. Prior to that, he served as Senior Vice President, a position he held since April 1999, and Controller of the Company, a position he held since March 1999. He has served in similar positions with the Bank since September 1995. He served as the Financial Planning and Analysis Officer with the Bank for three years and other financial related positions since joining the Bank in 1984. Kent Townsend, Executive Vice President and Chief Financial Officer, will serve as the Principal Accounting Officer with effect from 09th October 2026.

Rick C. Jackson. Mr. Jackson, age 60, serves as Executive Vice President and Chief Lending Officer of the Bank and the Company. He also serves as Chief Executive Officer of Capitol Funds and President of CFMRC, Capitol Federal Loan Company LP, Capitol Federal Loan Services Company LLC and Capitol Federal Partners LLC. He joined the Bank in 1993 as Community Development Director, a position he held until March 2017, and has served as Chief Lending Officer since February 2010.

Natalie G. Haag. Ms. Haag, age 65, serves as Executive Vice President, General Counsel, and Corporate Secretary of the Bank and the Company. She also serves as Secretary of Capitol Federal Partners LLC, Capitol Federal Loan Company LP and Capitol Federal Loan Services Company LLC. Prior to joining the Bank and the Company in August 2012, Ms. Haag was 2nd Vice President, Director of Governmental Affairs and Assistant General Counsel for Security Benefit Corporation and Security Benefit Life Insurance Company in Topeka, Kansas. Security Benefit provides retirement products and services, including annuities and mutual funds. Ms. Haag was employed by Security Benefit since June 2003. The Security Benefit companies are not parents, subsidiaries or affiliates of the Bank or the Company.

Anthony S. Barry. Mr. Barry, age 61, serves as Executive Vice President, Chief Corporate Services Officer of the Bank and the Company. Prior to joining the Bank and the Company in October 2018, Mr. Barry was engaged in the private practice of law for 29 years in real estate and general litigation, with an emphasis in construction law. Mr. Barry also served as a board member of a bank holding company in Arizona from 1998 to 2008.

Ms. Cole has held a variety of executive management positions in marketing, public relations, community affairs and philanthropy. A highly respected community leader, Ms. Cole is skilled in all facets of communication strategy development, public affairs, corporate communications, mergers and acquisitions, marketing and branding. She most recently was the inaugural recipient of the coveted Leadership Legacy award given by the Greater Topeka Partnership (Chamber). In 2018, she retired as Vice President, Corporate Communications and Public Affairs, Westar Energy. In this role, she served as a Senior Executive Team member and her teams were responsible for internal/external communications regarding media outreach, digital/social media, mergers and acquisitions, executive and corporate board support and crisis and risk management. From 1990 to 2000, she also served as Director, Corporate Communications, Westar Energy. Before rejoining Westar Energy in 2014, Ms. Cole was Vice President, Corporate Communications and Brand Strategy, Security Benefit Corporation, a financial services company, from 2003 to 2014, serving on the Senior Leadership team and overseeing a team responsible for communication strategy vis-a-vis corporate ownership change; five acquisitions; CEO departure and three reduction-in-force programs. She received her Bachelor of Arts in communications from Washburn University in 1986. Ms. Cole currently serves on the Board of Directors for Stormont Vail Health, where she also chairs the Community Committee for the Board and serves on the health system's Patient and Family Partnership Council. She is also a director on the Washburn Alumni Association and Foundation Board, serving on its development committee. She is the recipient of the Non-Nobis Solum Outstanding Alumni designation from Washburn University. Ms. Cole holds an Accredited Business Communicator designation with the International Association of Business Communicators.

r. Morris retired from KPMG in September 2012 after having served as partner-in-charge of the financial services practice of the firm's Kansas City office. Mr. Morris joined the firm in 1976 (when it was known as Peat Marwick Mitchell & Co.) as an auditor and was promoted to partner in 1988. At KPMG, Mr. Morris served a wide range of financial services clients, including banks, thrifts, mortgage companies, investment advisors and real estate companies. Mr. Morris currently serves as an independent trustee of The Commerce Funds, a family of nine mutual funds registered under the Investment Company Act of 1940.

Mr. Johnson brings more than two decades of senior-level leadership in finance, hospitality, and community engagement to the Board. He is the President of Flint Hills National Golf Club in Andover, Kansas, a position he has held since March 2003. As President, he oversees operations, member recruitment, and long-term strategic initiatives. Prior to leading Flint Hills, from March 1997 until 2003 he served as an investment advisor with Raymond James Financial Services, in Wichita, Kansas. There he honed his expertise in investments, risk management, and compliance, gaining valuable experience in the regulated financial services space. He earned his Series 7 and Series 63 securities licenses, as well as a life and health insurance license and real estate license. This financial experience enhances his value as a member of the Board's Audit Committee. In his earlier career, Mr. Johnson also served as Vice President of Personnel at Lone Star Steakhouse & Saloon, where he was instrumental in overseeing the recruitment and development of over 750 managers and a growth of over 100 restaurants. Today, he is a part-owner of several dining establishments across Kansas and Texas; a business portfolio that gives him a practical, operational understanding of general business management, labor dynamics, technology and data security challenges, and long-term growth strategy. Mr. Johnson is deeply invested in civic and community development and has served on local non-profit boards for over 25 years. Mr. Johnson also serves on the University of Kansas Endowment Association Board of Trustees, as well as the Dean's Advisory Board for KU's Business School, and the Wichita State University W. Frank Barton School of Business Dean's Advisory Board.

Mr. Morris retired in September 2012 from KPMG LLP, where he served as Partner in Charge of the Financial Service Practice in the Kansas City office. At KPMG, he built a deep expertise in accounting and auditing, serving a wide spectrum of financial-services clients including banks, thrifts, mortgage companies, investment advisors, and real estate firms. Mr. Morris began his career with that firm in 1976 (the firm was then known as Peat Marwick Mitchell & Co.) as an auditor. He became an audit manager in 1981 and was promoted to partner in 1988. During his tenure, he led audit teams of up to 20 professionals and served as the primary liaison with senior management, boards of directors and audit committees. His technical acumen included extensive experience in IPOs, debt and equity offerings, and Sarbanes-Oxley 404 compliance. Mr. Morris also serves as an independent trustee of The Commerce Funds, a family of nine mutual funds registered under the Investment Company Act of 1940. He has served on the University of Missouri College of Business Advisory Board and the School of Accountancy Advisory Board, as well as the Board of Directors of the Kansas City Museum and Hallbrook Country Club.

Mr. Ricketts is a seasoned banking executive and community leader. He joined Capitol Federal Savings in 2007 as Chief Strategic Planning Officer, then advanced to become Executive Vice President and Chief Corporate Services Officer, a role he held until his retirement in early 2019. In that capacity, he directed critical enterprise functions, including Compliance & Risk Management, Human Resources, Information Technology, Facilities, Marketing, Appraisals, and the Insurance Agency. He also played a lead role in regulatory examinations, ensuring a strong control and governance framework. Mr. Ricketts was a key leader in overseeing and supervising enterprise-wide risk management, including the technology and data security functions of the Bank. Before his tenure in banking, Mr. Ricketts spent 25 years in the electric and gas utility industry, serving as Vice President of Business Services for Missouri Gas Energy and in various leadership roles at Westar Energy. His responsibilities there included Investor Relations, Corporate Development, Customer Services, Sales & Marketing, Facilities and Labor Relations, giving him rich experience in operations, P&L management, labor management, and cross-functional leadership. He served on the Emporia State University Foundation Board of Trustees and the Emporia State University Business School Advisory Board, and currently serves on the University of Kansas Business School Advisory Board.

Mr. Thompson is business executive with over 40 years of experience across financial services, manufacturing, and operations. Mr. Thompson began his career as an auditor at Touche Ross, earning his CPA in 1985 while working on audits of municipalities, banks, savings & loans, and industrial companies. In 1986, he joined Chrysler Capital Public Finance in Kansas City, Missouri, where he managed operations and credit risk, focusing on originating, underwriting, and servicing tax-exempt municipal leases. Mr. Thompson joined Koch Industries, Inc., in 1992, holding various leadership positions there over the course of nearly a decade. Notably, from 1998 to 2001, he served as President of Koch Financial Services, Inc., leading a team of 20 in originating and servicing tax-exempt municipal leases and asset-backed securities. In 2002, he joined Salina Vortex Corporation, which specializes in the design and manufacture of components used to transport and control flow of dry bulk solid materials. At Salina Vortex, he initially held the role of Chief Financial Officer, responsible for accounting, treasury, information technology, human resources, insurance, legal and compliance and risk management. He transitioned to President and Chief Executive Officer of Salina Vortex in 2007, a role he held through 2020. Under his leadership as CEO, the company experienced transformative growth, tripling annual sales as well as expanding globally into England and China. Since returning to the position of Chief Financial Officer and the additional role of Senior Business Advisor in 2021, Mr. Thompson has continued to work closely with Salina Vortex's executive team and board of directors, helping to steer financial strategy, long-term planning and risk oversight. Mr. Thompson's board affiliations include Blue Cross Blue Shield of Kansas, where he chairs the Audit Committee; the Catholic Foundation for the Diocese of Salina, as Treasurer; the Salina Economic Development Corporation; and the Salina Airport Authority.

Mr. John B. Dicus became Chief Executive Officer of Capitol Federal Savings and the Company effective January 1, 2003, and became Chairman of the Board of Directors of Capitol Federal Savings and the Company in January 2009. Prior to his appointment as Chief Executive Officer, he served as President and Chief Operating Officer for Capitol Federal Savings from 1996 and for the Company from its inception in March 1999. Before that, he served as Executive Vice President of Corporate Services for Capitol Federal Savings for four years. He has been with Capitol Federal Savings in various other positions since 1985. Mr. Dicus is the father-in-law of William J. Skrobacz, Jr., who serves as Executive Vice President and Chief Retail Operations Officer of the Company and the Bank. Mr. Dicus serves as a trustee for the University of Kansas Endowment Association and Washburn University Endowment Association. He also sits on the Kansas Bankers Association Board of Directors, the Kansas Board of Regents, the Washburn University Board of Regents and the Greater Topeka Partnership. He has been a past member of the Federal Reserve Advisory Council. Effective 01st October 2026, John B. Dicus will step down as President but continue as Chairman of the Board and Chief Executive Officer of the Company and Bank.

William J. Skrobacz, Jr. Mr. Skrobacz has served as Executive Vice President and Chief Retail Operations Officer of the Bank and the Company since April 2023. He joined the Bank as Chief Strategy Officer in July 2021 after obtaining his MBA from The University of Virginia's Darden School of Business. Starting with amassing experience with Bank customers while working throughout the Bank's branch system, he then continued moving through various departments within the organization helping to implement efficiencies and drive growth within the Bank's lending and business development efforts, while also familiarizing himself with the Bank's regulatory environment. Prior to his time at the Bank, he worked for Nuvasive Inc. from 2013-2021 in a Regional Sales and Operations Management capacity. Mr. Skrobacz is the son-in-law of John B. Dicus, the Company's and the Bank's Chairman, President and Chief Executive Officer. On September 22, 2026, the Boards of Directors of Capitol Federal Financial, Inc. (the Company) and Capitol Federal Savings Bank (the Bank) issued a press release announcing the appointment of William Billy Skrobacz, Jr. as President of the Company and the Bank, effective October 1, 2026.

Ms. Tara D. Van Houweling is the Company's Director, First Vice President, and Principal Accounting Officer. Ms. Van Houweling has been employed with the Bank and Company since May 2003 and serves as First Vice President, Principal Accounting Officer, and Reporting Director. She has held the position of Reporting Director since May 2003. On September 18, 2026, Tara Van Houweling, Reporting Director and Principal Accounting Officer, notified Capitol Federal Financial, Inc. of her intent to leave the company effective October 9, 2026.