CAPITOL FEDERAL

Account reconciliation services, namely, reconciliation of accounts on behalf of others

Banking, credit card transaction processing, and related financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending, mortgage lending, and loan financing; debit card services, namely, electronic processing and transmission of bill payment data, financial information in the nature of rates of exchange, guaranteeing loans, mortgage banking, safety deposit box services, savings account services, automated teller machine services, and providing investment analysis, consultation, planning, management, advisory, brokerage, banking, and research services with respect to stocks, mutual funds, securities, bonds, commodities, real estate and other instruments of investment; cash management services, and automated clearing house ("ACH") debit and credit transactions, loan origination services; wire transfer origination services, namely, money transfer, electronic transfer of funds, and currency transfer services; positive pay services, namely, check verification services; investment management of sweep accounts; trust services, namely, financial trust operations; trustee services; trust settlement services, namely, financial administration of estate assets; financial services, namely, estate settlement services and financial custody services, namely, maintaining and administering financial assets for others for financial management purposes; insurance consulting in the field of homeowners, renters, landlord protection, automobile, boats, recreational vehicle, personal liability and life insurance; insurance services, namely, underwriting in the field of homeowners, renters, landlord protection, automobile, boats, recreational vehicle, personal liability and life insurance