Capitol Federal Financial, Inc. is the savings and loan holding company for Capitol Federal Savings Bank (Capitol Federal Savings or the Bank). The Company is a community-oriented financial institution offering a range of financial services to meet the needs of the communities it serves. It attracts retail deposits from the general public and invests those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. Capitol Federal Savings is a federally chartered and insured savings bank. The Bank has a network of approximately 40 traditional branches and approximately 10 in-store branches located in approximately nine counties throughout Kansas and over three counties in Missouri. In addition to providing full service banking offices, it provides its customers mobile banking, telephone banking and bill payment services, and online banking and bill payment services.