CAPITOL FEDERAL

Banking, credit card transaction processing, and related financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending and real estate leasing services, mortgage lending, and loan financing; debit card services, 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