0001074433-05-000014 Sample Contracts

CAPITOL FEDERAL FINANCIAL STOCK OPTION AND INCENTIVE PLAN INCENTIVE STOCK OPTION AGREEMENT
Stock Option and Incentive Plan • February 4th, 2005 • Capitol Federal Financial • Savings institution, federally chartered

This Option is granted on (the "Grant Date"), by Capitol Federal Financial, a Federal corporation (the "Corporation"), to (the "Optionee"), in accordance with the following terms and conditions:

Sample 1
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CAPITOL FEDERAL FINANCIAL RESTRICTED STOCK AGREEMENT
Restricted Stock Agreement • February 4th, 2005 • Capitol Federal Financial • Savings institution, federally chartered

Shares of Restricted Stock are hereby awarded on _(Date)_______________, by Capitol Federal Financial, a federally-chartered corporation (the "Corporation"), to (the "Grantee"), in accordance with the following terms and conditions:

Sample 1
CAPITOL FEDERAL FINANCIAL STOCK OPTION AND INCENTIVE PLAN NON-QUALIFIED STOCK OPTION AGREEMENT
Capitol Federal Financial • February 4th, 2005 • Capitol Federal Financial • Savings institution, federally chartered

This Option is granted on (the "Grant Date"), by Capitol Federal Financial, a Federal corporation (the "Corporation"), to (the "Optionee"), in accordance with the following terms and conditions:

Sample 1
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