Commercial Federal Corporation to Release Third Quarter Earnings Results and Host Conference Call on October 26, 2004.

OMAHA, Neb. -- Commercial Federal Corporation will release third quarter 2004 earnings results before the NYSE market opens on Tuesday, October 26, 2004. William A. Fitzgerald, chairman and chief executive officer will host a conference call that morning at 10:00 a. m. CT. Joining Mr. Fitzgerald will be David S. Fisher, executive vice president and chief financial officer. Forward-looking and other material information may be discussed on this conference call.

Media representatives, analysts and investors are invited to participate in the conference call by dialing 1-888-273-9885. For those unable to listen to the call live, a conference call replay will be available from approximately 1:30 p.m. CT on Tuesday, October 26, through midnight on October 28, 2004. The conference call replay can be accessed by dialing 1-800-475-6701 and entering passcode 749190.

The conference call will also be available online at www.comfedbank.com on a listen-only basis. The link to Commercial Federal's live webcast can be found within the Investor Relations section of the Web site by clicking on the Webcast button. The webcast replay of the call will be available on the Web site. All remarks made during the conference call will be current at the time of the call and will not be updated to reflect subsequent material development.

Commercial Federal Corporation (NYSE:CFB) is the parent company of Commercial Federal Bank, an $11.7 billion federal savings bank that operates branches located in Nebraska, Iowa, Colorado, Kansas, Oklahoma, Missouri, and Arizona. In addition to full-service retail banking, Commercial Federal offers a broad array of financial services and products including commercial banking services, commercial and industrial lending, small business banking, construction lending, cash management, insurance and investment services, mortgage origination and servicing, and Internet banking. Commercial Federal's Web site can be accessed at www.comfedbank.com.