The Board of Directors recommends a vote "FOR" the election of all nominees named herein, “FOR” the advisory vote on executive compensation and "FOR" the ratifica-tion of the appointment of Deloitte & Touche LLP. I. Election of Directors: (for three-year terms) Morris J. Huey, II Carlton A. Ricketts II. Advisory vote on executive compensation. III. The ratification of the appointment of Deloitte & Touche LLP as Capitol Federal Financial, Inc.'s independent auditors for the fiscal year ending September 30, 2024. Stockholders also will transact any other business that may properly come before the meeting or any adjournment or postponement thereof. NOMINEES: Important Notice Regarding the Availability of Proxy Materials for the Shareholder Meeting To Be Held On January 23, 2024 CAPITOL FEDERAL FINANCIAL, INC. Annual Meeting of Stockholders Date: January 23, 2024 Time: 10:00 a.m. Local Time Location: Bradbury Thompson Alumni Center, Washburn University Campus, 1701 SW Jewell Avenue, Topeka, Kansas This communication is not a form for voting and presents only an overview of the more complete proxy materials, which contain important information and are available to you on the Internet or by mail. We encourage you to access and review the proxy materials before voting. If you want to receive a paper or e-mail copy of the proxy materials you must request one. There is no charge to you for requesting a copy. To facilitate timely delivery please make the request as instructed below before 01/09/2024. Please visit http://www.astproxyportal.com/ast/16796, where the following materials are available for view: • Notice of Annual Meeting of Stockholders • Proxy Statement • Form of Electronic Proxy Card • Annual Report TO REQUEST PAPER OR EMAIL TELEPHONE: 888-Proxy-NA (888-776-9962) 718-921-8562 (for international callers) COPIES OF PROXY MATERIAL: E-MAIL: info@astfinancial.com WEBSITE: https://us.astfinancial.com/OnlineProxyVoting/ProxyVoting/RequestMaterials You may request copies of the proxy materials for the Annual Meeting and all of the Company's future stockholder meetings. TO VOTE: ONLINE: To access your online proxy card, please visit www.voteproxy.com and follow the on-screen instructions or scan the QR code with your smartphone. You may enter your voting instructions at www.voteproxy.com up until 11:59 PM Eastern Time the day before the meeting date. IN PERSON: You may vote your shares in person by attending the Annual Meeting and requesting a ballot at the Annual Meeting. TELEPHONE: To vote by telephone, please visit www.voteproxy.com to view the materials and to obtain the toll free number to call. MAIL: You may request a proxy card by following the instructions above. COMPANY NUMBER ACCOUNT NUMBER CONTROL NUMBER JOHN SMITH 1234 MAIN STREET APT. 203 NEW YORK, NY 10038 Please note that you cannot use this notice to vote by mail.