INVESTOR INFORMATION Index Year 2001 Highlights Financial Highlights To Our Shareholders Consolidated Statement Of Financial Condition Consolidated Statement Of Operations Independent Auditors' Report Selected Consolidated Financial Data Summary Financial Information Board, Executive and Senior Management Investor Information

CORPORATE HEADQUARTERS Commercial Federal Corporation 13220 California Street Omaha, NE 68154 (800) 228-5023 GENERAL COUNSEL Fitzgerald, Schorr, Barmettler, Brennan 13220 California Street Suite 400 Omaha, NE 68154 CORPORATE COUNSEL Stradley Ronon Stevens & Young, LLP 1220 19th Street, N.W. Suite 700 Washington, D.C. 20036 Wachtell, Lipton, Rosen & Katz 51 West 52nd Street New York, NY 10019 INDEPENDENT AUDITORS Deloitte & Touche LLP 2000 First National Center Omaha, NE 68102	INVESTOR RELATIONS AND SHAREHOLDER SERVICES Analysts, investors and others seeking a copy of the Form 10-K or other financial information without charge should contact: Investor Relations Department Commercial Federal Corporation 13220 California Street Omaha, NE 68154 (402) 514-5336 investorrelations@commercialfed.com Shareholders desiring to change the address or ownership of stock, report lost certificates, or to consolidate accounts should contact Commercial Federal's Transfer Agent: Shareowner Services P.O. Box 64854 St. Paul, MN 55164-0854 (800) 468-9716
DIVIDEND REINVESTMENT PLAN
The Company maintains a Dividend Reinvestment Plan which offers shareholders a convenient and inexpensive way to increase their holdings of common stock in Commercial Federal Corporation. The Plan is available to all registered shareholders of the Company. To obtain information about the Plan, contact Shareowner Services at (800) 468-9716.
ANNUAL MEETING OF SHAREHOLDERS
The annual meeting of shareholders will convene at 10:00 a.m. on Tuesday, May 14, 2002. The meeting will be held at the Omaha Marriott Hotel, 10220 Regency Circle, Omaha, Nebraska. Further information with regard to this meeting can be found in the proxy statement.
STOCK LISTING
Commercial Federal Corporation's common stock is traded on the New York Stock Exchange (NYSE) using the common stock symbol "CFB." The Wall Street Journal publishes daily trading information for the stock under the abbreviation "ComrclFed" in the NYSE listings.
VISIT COMMERCIAL FEDERAL ON THE INTERNET Access news releases, financial information and services available. www.comfedbank.com

Certain statements contained in this summary report are forward-looking in nature. These statements are subject to risks and uncertainties that could cause Commercial Federal's actual results or financial condition to differ materially from those expressed in, or implied by, such statements. Factors that might cause a difference include, but are not limited to, changes in interest rates, general economic conditions, the progress and expected costs associated with strategic initiatives, competition, the adequacy of the allowance for loan losses, and price levels and conditions in the public securities markets generally.