What changed in this filing

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Item 9A. Controls and Procedures

2020-11-25 compared with 2019-11-27 · 35 added, 41 removed, 124 unchanged (38% of the section changed)

20 unchanged sentences

There have been no changes in the Company's internal control over financial reporting (as defined in Rule 13a-15(f) and 15d-15(f) under the Act) that occurred during the Company's quarter ended September 30, 2020 that have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

As of September 30, 2019, the Company has integrated CCB's operations into the Company's internal control over financial reporting.

Other Information

1 unchanged sentence

Information required by this item concerning the Company's directors and any delinquent reports under Section 16(a) of the Act is incorporated herein by reference from the definitive proxy statement for the Annual Meeting of Stockholders to be held in January 2021, a copy of which will be filed not later than 120 days after the close of the fiscal year.

Pursuant to General Instruction G(3), information concerning executive officers of the Company is included in Part I, under the caption "Executive Officers of the Registrant" of this Form 10-K.

Pursuant to General Instruction G(3), information concerning executive officers of the Company is included in Part I of this Form 10-K, under the caption "Information about our Executive Officers."

Information required by this item regarding the audit committee of the Company's Board of Directors, including information regarding the audit committee financial experts serving on the committee, is incorporated herein by reference from the definitive proxy statement for the Annual Meeting of Stockholders to be held in January 2021, a copy of which will be filed not later than 120 days after the close of the fiscal year.

10 unchanged sentences

for Future Issuance

Number of Shares

to be issued upon

Weighted Average

Compensation Plans

Exercise Price of

(Excluding Shares

Outstanding Options,

Reflected in the

Plan Category

Warrants and Rights

First Column)

Number of Shares Under Equity

to be issued upon Weighted Average Compensation Plans

Exercise of Exercise Price of (Excluding Shares

Outstanding Options, Outstanding Options, Reflected in the

Plan Category Warrants and Rights Warrants and Rights First Column)

Equity compensation plans

1 unchanged sentence

Equity compensation plans not

approved by stockholders

approved by stockholders N/A N/A N/A

813,645 $ 12.86 5,824,835

(1) This amount includes 1,625,519 shares available for future grants of restricted stock under the Equity Incentive Plan.

3 unchanged sentences

Information required by this item concerning principal accounting fees and services is incorporated herein by reference from the definitive proxy statement for the Annual Meeting of Stockholders to be held in January 2021, a copy of which will be filed not later than 120 days after the close of the fiscal year.

Exhibits, Financial Statement Schedules

Exhibits and Financial Statement Schedules

(a) The following is a list of documents filed as part of this report:

12 unchanged sentences

See "Index to Exhibits."

Form 10-K Summary

INDEX TO EXHIBITS

Number Document

Charter of Capitol Federal Financial, Inc., as filed on May 6, 2010, as Exhibit 3(i) to Capitol Federal Financial, Inc.'s Registration Statement on Form S-1 (File No.

333-166578) and incorporated herein by reference

Bylaws of Capitol Federal Financial, Inc., as amended, filed on September 30, 2016, as Exhibit 3.2 to Form 8-K for Capitol Federal Financial Inc.

Bylaws of Capitol Federal Financial, Inc., as amended, filed on March 30, 2020, as Exhibit 3.2 to Form 8-K for Capitol Federal Financial Inc.

and incorporated herein by reference

Description of the Registrant's Securities

Description of the Registrant's Securities, as filed on November 27, 2019, as Exhibit 4 to the Registrant's Annual Report on Form 10-K and incorporated herein by reference

Form of Change of Control Agreement with each of John B.

2 unchanged sentences

Jackson filed on January 20, 2011 as Exhibit 10.1 to the Registrant's Current Report on Form 8-K and incorporated herein by reference

Form of Change of Control Agreement with each of Natalie G.

Haag and Carlton A.

Ricketts filed on November 29, 2012 as Exhibit 10.1(iv) to the Registrant's Annual Report on Form 10-K and incorporated herein by reference

Form of Change of Control Agreement with Natalie G.

Haag filed on November 29, 2012 as Exhibit 10.1(iv) to the Registrant's Annual Report on Form 10-K and incorporated herein by reference

Form of Change of Control Agreement with Daniel L.

8 unchanged sentences

000-25391) and incorporated herein by reference

Capitol Federal Financial Deferred Incentive Bonus Plan, as amended, filed on November 29, 2018 as Exhibit 10.3 to the Registrant's September 30, 2018 Form 10-K and incorporated herein by reference

Capitol Federal Financial Deferred Incentive Bonus Plan, as amended, filed on May 8, 2020 as Exhibit 10.3 to the Registrant's March 31, 2020 Form 10-Q and incorporated herein by reference

Form of Incentive Stock Option Agreement under the Stock Option Plan filed on February 4, 2005 as Exhibit 10.5 to the December 31, 2004 Form 10-Q for Capitol Federal Financial and incorporated herein by reference

1 unchanged sentence

Description of Director Fee Arrangements filed on November 29, 2018 as Exhibit 10.6 to the Registrant's September 30, 2018 Form 10-K and incorporated herein by reference

Short-term Performance Plan filed on August 4, 2015 as Exhibit 10.10 to the Registrant's June 30, 2015 Form 10-Q and incorporated herein by reference

Short-term Performance Plan, as amended, filed on May 8, 2020 as Exhibit 10.7 to the Registrant's March 31, 2020 Form 10-Q and incorporated herein by reference

Capitol Federal Financial, Inc.

22 unchanged sentences

CAPITOL FEDERAL FINANCIAL, INC.

November 27, 2019

November 25, 2020 By:

Dicus, Chairman, President and

2 unchanged sentences

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the date indicated.

/s/ Reginald L.

Dicus, Chairman, President

Robinson, Director

and Chief Executive Officer

November 27, 2019

(Principal Executive Officer)

November 27, 2019

/s/ Michael T.

Dicus, Chairman, President Michael T.

McCoy, M.D., Director

and Chief Executive Officer Date:

November 25, 2020

Townsend, Executive Vice President,

Chief Financial Officer and Treasurer

(Principal Financial Officer)

(Principal Executive Officer)

November 25, 2020 By:

Morris, Director

November 27, 2019

Townsend Date:

November 25, 2020

/s/ Jeffrey R.

Townsend, Executive Vice President,

Chief Financial Officer and Treasurer By:

/s/ Michel' P.

Thompson, Director

(Principal Financial Officer) Michel' P.

Cole, Director

November 25, 2020 Date:

November 25, 2020

/s/ Jeffrey R.

/s/ Carlton A.

Thompson, Director Carlton A.

Ricketts, Director

November 25, 2020 Date:

November 25, 2020

1 unchanged sentence

Van Houweling

Johnson, Director

Johnson, Director Tara D.

Van Houweling, First Vice President

November 27, 2019

and Reporting Director

November 25, 2020 and Reporting Director

(Principal Accounting Officer)

/s/ Morris J.

Huey II Date:

November 25, 2020

2 unchanged sentences

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 9A. Controls and Procedures