COMMERCIAL FEDERAL APPOINTS ROBERT F. RIVERS,
                     EXECUTIVE VICE PRESIDENT RETAIL BANKING

OMAHA, NE, February 17, 2005 - Commercial Federal Corporation (NYSE: CFB) today
announced the appointment of Robert F. Rivers as Executive Vice President Retail
Banking.

Mr. Rivers, 40, joins Commercial Federal from M&T Bank Corporation,
headquartered in Buffalo, New York, where he served as Senior Vice President for
Business Banking for M&T Bank's Pennsylvania operation. Mr. Rivers previously
served as Senior Vice President for Retail Banking and was responsible for
sales, marketing, personnel, distribution planning, and operations for 170
branch offices in Pennsylvania and Maryland.

In announcing the appointment, Frederick R. Kulikowski, Commercial Federal's
President and Chief Operating Officer, said "Bob will play a key role in growing
the Bank's retail, investment services and small business banking lines of
business.  Bob brings a great track record as a proven sales management leader.
We are very excited to have him as a part of our team here at CFB."

Mr. Rivers is a graduate of Stonehill College in North Easton, MA and earned a
Masters in Business Administration from the University of Rochester in
Rochester, NY.

Commercial Federal Corporation (NYSE: CFB) is the parent company of Commercial
Federal Bank, a $11.5 billion federal savings bank with branches located in
Nebraska, Iowa, Colorado, Kansas, Oklahoma, Missouri and Arizona. Commercial
Federal operations include consumer and commercial banking services including
mortgage origination and servicing, commercial and industrial lending, small
business banking, construction lending, cash management, insurance and
investment services, and Internet banking.