THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

BOK Financial Corporation (BOKF)

3/22/2006 Proxy Information

Mr. Hargis is Vice Chairman of BOK Financial Corporation and Bank of Oklahoma, N.A.

Certain principal shareholders, directors of the Company and their associates were customers of and had loan transactions with BOK Financial or its subsidiaries during 2005. None of them currently outstanding are classified as nonaccrual, past due, restructured or potential problem loans. All such loans (i) were made in the ordinary course of business, (ii) were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and (iii) did not involve more than normal risk of collectibility or present other unfavorable features at the time the loans were made.

Certain related parties are customers of the Company for services other than loans, including consumer banking, corporate banking, risk management, wealth management, brokerage and trading, or fiduciary/trust services. The Company engages in transactions with related parties in the ordinary course of business and in compliance with applicable regulation.

BOk leases office space in the Copper Oaks facility located in Tulsa, Oklahoma, which is owned by Mr. Kaiser and affiliates. Lease payments for Copper Oaks totaled $754,704 in 2005.

In 2005, an affiliate of BOK Financial sold Oklahoma State Income Tax Credits to (a) George Kaiser, Chairman of the Board, receiving $16,283,400, (b) Jim Holloman, executive officer, receiving $30,000, (c) Stan Lybarger, Chief Executive Officer, receiving $64,600, (d) Ruth Nelson Trust, receiving $250,000, (e) Burns Hargis, a Company director and executive officer, receiving $30,000; and, (f) Mark Funke, an executive officer, receiving $15,000. Ms. Ruth Nelson is Mr. KaiserÕs sister.

QuikTrip Corporation has entered into a fee sharing agreement with TransFund, BOkÕs automated teller machine (ATM) network, respecting transactions completed at TransFund ATMs placed in QuikTrip locations. In 2005, BOk paid QuikTrip $1.3 million pursuant to this agreement. Mr. Cadieux, a BOK Financial Director, is President, Chief Executive Officer, a director and a shareholder of QuikTrip Corporation.

BOk engages in routine energy hedging transactions with Mustang Fuel Corporation, Mustang Gas Products, LLC and Eagle Gas Marketing on terms offered to customers of BOk generally. In 2005, Mustang Fuel Corporation hedged 1 million MMbtu of natural gas and 10,000 barrels of oil, Eagle Natural Gas hedged 66,300 MMbtu of natural gas, and Mustang Gas Products, LLC hedged 10,250,000 gallons of natural gas liquids. The hedges are backed by counter party contracts. Mr. Joullian, a director of BOK Financial, is the President of Mustang Fuel Corporation, Mustang Gas Products, LLC and Eagle Gas Marketing.

3/18/2005 Proxy Information

Certain principal shareholders, directors of the Company and their associates were customers of and had loan transactions with BOK Financial or its subsidiaries during 2004. None of them currently outstanding are classified as nonaccrual, past due, restructured or potential problem loans. All such loans (i) were made in the ordinary course of business, (ii) were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and (iii) did not involve more than normal risk of collectibility or present other unfavorable features at the time the loans were made.

Certain related parties are customers of the Company for services other than loans, including consumer banking, corporate banking, risk management, wealth management, brokerage and trading, or fiduciary/trust services. The Company engages in transactions with related parties in the ordinary course of business and in compliance with applicable regulation.

BOk leases office space in buildings owned by Mr. Kaiser and affiliates. These leases expire at various dates through 2008. The aggregate minimum payments due under these leases are $1,852,070.

In 2004, an affiliate of BOK Financial sold Oklahoma State Income Tax Credits to (a) Advance Food Company, an affiliate of Gregory Allen, receiving $1,750,000, (b) Gregory Allen, a Company director, receiving $70,000, (c) George Kaiser, Chairman of the Board, receiving $5,000,000, (d) Jim Holloman, executive officer, receiving $30,000, (e) Stan Lybarger, Chief Executive Officer, receiving $70,000, (f) Burns Hargis, a Company director and executive officer, receiving $30,000, and (g) Mark Funke, an executive officer, receiving $15,000.

QuikTrip Corporation has entered into a fee sharing agreement with TransFund, BOk's automated teller machine (ATM) network, respecting transactions completed at TransFund ATMs placed in QuikTrip locations. In 2004, BOk paid QuikTrip $1.1 million pursuant to this agreement. Mr. Cadieux, a director nominee, is President, Chief Executive Officer, a director and a shareholder of QuikTrip Corporation.

BOk engages in routine energy hedging transactions with Mustang Fuel Corporation and Mustang Gas Products, LLC on terms offered to customers of BOk generally. In 2005, Mustang Fuel Corporation hedged 1,163,000 MMbtu of natural gas and 60,000 barrels of oil and Mustang Gas Products, LLC hedged 9,708,000 gallons of natural gas liquids. The hedges are backed by counter party contracts. Mr. Joullian, a director of BOK Financial, is the President of both Mustang Fuel Corporation and Mustang Gas Products, LLC.

All transactions described above between BOKF or a subsidiary and Mr. Kaiser or a related entity were approved in advance by a majority of the entire board of BOk or BOKF, as appropriate, (Mr. Kaiser not voting) after review by the Chief Financial Officer.

Mr. James A. Robinson was formerly engaged in the practice of law and general counsel for Bank of Oklahoma, N.A., a sub of BOKF.

3/16/2004 Proxy Information

Certain principal shareholders, directors of the Company and their associates were customers of and had loan transactions with BOK Financial or its subsidiaries during 2003. None of them currently outstanding are classified as nonaccrual, past due, restructured or potential problem loans. All such loans (i) were made in the ordinary course of business, (ii) were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and (iii) did not involve more than normal risk of collectibility or present other unfavorable features at the time the loans were made.

BOk leases office space in office buildings owned by Mr. Kaiser and affiliates. In 2003, an affiliate of BOK Financial sold Oklahoma State Income Tax Credits to (a) GBK Corporation, an affiliate of George Kaiser, receiving $900,000, (b) Mr. Kaiser, receiving $3,780,000, (c) Emily Kaiser, Mr. Kaiser's daughter, receiving $112,500, (d) Leah Kaiser, Mr. Kaiser's daughter, receiving $112,500, (e) Philip Kaiser, Mr. Kaiser's son, receiving $112,500, (f) Ruth Nelson, Mr. Kaiser's sister, receiving $270,000, (g) Stan Lybarger, receiving $49,500, (h) Burns Hargis, receiving $33,300, and (i) Mark Funke receiving $13,500.

All transactions described above between BOKF or a subsidiary and Mr. Kaiser or a related entity were approved in advance by a majority of the entire board of BOk or BOKF, as appropriate, (Mr. Kaiser not voting) after review by the Chief Financial Officer.

James A. Robinson was formerly engaged in the practice of law and general counsel for Bank of Oklahoma, N.A., and banking.

3/26/2003 Proxy Information

BOK Financial borrowed $30 million during 2001 from George Kaiser by issuing a subordinated debenture. The proceeds of this borrowing were used to support asset growth, including the acquisition of CNBT Bancshares, Inc. This debenture was to mature in March 2008. Interest was based on LIBOR plus 1.75% payable quarterly. BOK Financial paid the debenture in full during 2002. Bank of Oklahoma leases office space in office buildings owned by Mr. Kaiser and affiliates. In 2002, an affiliate of BOK Financial sold Oklahoma State Income Tax Credits to a) GBK Corporation, an affiliate of Mr. Kaiser, receiving $2,250,000, b) Mr. Kaiser, receiving $7,646,850, and c) Stanley Lybarger, receiving $99,000 in exchange for such credits.

All transactions described above between BOKF or a subsidiary and Mr. Kaiser or a related entity were approved in advance by a majority of the entire board of BOk or BOKF, as appropriate, (Mr. Kaiser not voting) after review by the Chief Financial Officer.