BOK FINANCIAL CORPORATION BOARD OF DIRECTORS Gregory S. Allen (2) President & CEO Advance Food Co., Inc. Picture of Gregory S. Allen shown here. C. Fred Ball, Jr. (3) Chairman & CEO Bank of Texas, N.A. Picture of C. Fred Ball, Jr. shown here. Sharon J. Bell (1) Managing Partner Rogers & Bell Picture of Sharon J. Bell shown here. Chester Cadieux, III (2) President & CEO QuikTrip Corporation Picture of Chester Cadieux, III shown here. Joseph E. Cappy (1) Retired Chairman & CEO Dollar Thrifty Automotive Group Picture of Joseph E. Cappy shown here. Luke R. Corbett Chairman & CEO Kerr-McGee Corporation Picture of Luke R. Corbett shown here. William E. Durrett Senior Chairman American Fidelity Corp. Picture of William E. Durrett shown here. Robert G. Greer (3) Vice Chairman Bank of Texas, N.A. Picture of Robert G. Greer shown here. David F. Griffin (1) President & General Manager Griffin Communications, L.L.C. Picture of David F. Griffin shown here. V. Burns Hargis (1) Vice Chairman BOK Financial Corporation and Bank of Oklahoma, N.A. Picture of V. Burns Hargis shown here. E. Carey Joullian, IV (1) President & CEO Mustang Fuel Corporation Picture of E. Carey Joullian, IV shown here. George B. Kaiser (1) Chairman BOK Financial Corporation and Bank of Oklahoma, N.A. Picture of George B. Kaiser shown here. Judith Z. Kishner (1) Manager Zarrow Family Office, L.L.C. Picture of Judith Z. Kishner shown here. David L. Kyle (1) Chairman, President & CEO ONEOK, Inc. Picture of David L. Kyle shown here. Robert J. LaFortune Personal Investments Picture of Robert J. LaFortune shown here. Stanley A. Lybarger (1),(3) President & CEO BOK Financial Corporation and Bank of Oklahoma, N.A. Picture of Stanley A. Lybarger shown here. Steven J. Malcolm (1) Chairman, President & CEO The Williams Companies, Inc. Picture of Steven J. Malcolm shown here. Paula Marshall-Chapman (1) CEO Bama Companies Picture of Paula Marshall-Chapman shown here. Steven E. Moore Chairman, President & CEO OGE Energy Corp. Picture of Steven E. Moore shown here. James A. Robinson Personal Investments Picture of James A. Robinson shown here. L. Francis Rooney, III (1) Chairman and CEO Rooney Holdings, Inc. Picture of L. Francis Rooney, III shown here. (1) Director of BOK Financial Corporation and Bank of Oklahoma, N.A. (2) Director of Bank of Oklahoma, N.A. (3) Director of BOK Financial Corporation and Bank of Texas, N.A. BANK OF ALBUQUERQUE, N.A. BOARD OF DIRECTORS Adelmo Archuleta Owner, Professional Engineer Molzen-Corbin & Associates Suzanne Barker-Kalangis, Esq. Partner, Modrall, Sperling, Roehl, Harris and Sisk P.A. Steven G. Bradshaw Sr. Executive Vice President BOK Financial Corporation Charles E. Cotter Executive Vice President Bank of Oklahoma, N.A. Rudy A. Davalos Athletic Director University of New Mexico William E. Garcia Retired Sr. Manager, Public Affairs Intel Corporation Robert M. Goodman Vice Chairman Bank of Albuquerque, N.A. Thomas D. Growney President Tom Growney Equipment, Inc. W. Jeffrey Pickryl Sr. Executive Vice President BOK Financial Corporation Mark E. Sauters Senior Vice President Bank of Albuquerque, N.A. Michael D. Sivage Chief Executive Officer STH Investments, Inc. Paul A. Sowards President Bank of Albuquerque, N.A. David L. Sutter Senior Vice President Bank of Oklahoma, N.A. Jennifer S. Thomas Executive Vice President Bank of Albuquerque, N.A. James F. Ulrich Chairman & CEO Bank of Albuquerque, N.A. BANK OF ARKANSAS, N.A. BOARD OF DIRECTORS John W. Anderson Senior Vice President Bank of Oklahoma, N.A. Jett C. Cato Executive Vice President Bank of Arkansas, N.A. Jeff D. Cude Senior Vice President Bank of Arkansas, N.A. Jeffrey R. Dunn Chairman, President & CEO Bank of Arkansas, N.A. Mark W. Funke President Bank of Oklahoma, N.A. Oklahoma City Ronald E. Leffler Senior Vice President Bank of Oklahoma, N.A. BANK OF TEXAS, N.A. BOARD OF DIRECTORS C. Thomas Abbott Vice Chairman Bank of Texas, N.A. - Dallas C. Fred Ball, Jr. (2) Chairman & CEO Bank of Texas, N.A. - Dallas C. Huston Bell Retired President The Vantage Companies Edward O. Boshell, Jr. Columbia General Investments, LP Steven G. Bradshaw Sr. Executive Vice President BOK Financial Corporation R. Neal Bright Managing Partner Bright & Bright, LLP H. Lynn Craft President & CEO Baptist Foundation of Texas Charles W. Eisemann Investments James J. Ellis Managing Partner Ellis/Roiser Associates Robert G. Greer Vice Chairman Bank of Texas, N.A. - Houston R. William Gribble, Jr. President Gribble Oil Company J. T. Hairston, Jr. Investments Douglas D. Hawthorne President & CEO Texas Health Resources Bill D. Henry Chairman & CEO McQuery Henry Bowles Troy, LLP Richard W. Jochetz President Bank of Texas, N.A. - Houston Stanley A. Lybarger (2) President & CEO BOK Financial Corporation Steven E. Nell (1) Chief Financial Officer BOK Financial Corporation Albert W. Niemi, Jr. Dean, Cox School of Business Southern Methodist University W. Jeffrey Pickryl Sr. Executive Vice President BOK Financial Corporation Jeff Springmeyer President Geophysical Pursuit, Inc. Thomas S. Swiley President & CEO Bank of Texas, N.A. - Dallas Mrs. Jere W. Thompson Community Leader Tom E. Turner Retired Chairman Bank of Texas, N.A. - Dallas John C. Vogt Investments Randall Walker Chairman Bank of Texas, N.A. - Houston (1) Park Cities Bancshares, Inc. only (2) Park Cities Bancshares, Inc. / Bank of Texas, N.A. COLORADO STATE BANK AND TRUST, N.A. BOARD OF DIRECTORS (CSBT) Aaron K. Azari Executive Vice President CSBT Steven G. Bradshaw Sr. Executive Vice President BOK Financial Corporation Thomas M. Foncannon Senior Vice President CSBT H. James Holloman Executive Vice President Bank of Oklahoma, N.A. W. Jeffrey Pickryl Sr. Executive Vice President BOK Financial Corporation Gregory K. Symons Chairman & CEO CSBT John G. Wilkinson Chairman Emeritus CSBT SHAREHOLDER INFORMATION Corporate Headquarters: Bank of Oklahoma Tower P.O. Box 2300 Tulsa, Oklahoma 74192 (918) 588-6000 Independent Auditors: Ernst & Young LLP 1700 One Williams Center Tulsa, Oklahoma 74172 (918) 560-3600 Legal Counsel: Frederic Dorwart Lawyers Old City Hall 124 E. Fourth St. Tulsa, Oklahoma 74103-5010 (918) 583-9922 Common Shares: Traded NASDAQ National Market NASDAQ Symbol: BOKF Number of common shareholders of record at December 31, 2004: 1,253 Market Makers: Advest, Inc. Archipelago Exchange Boston Stock Exchange Brokerage America, Inc. Citigroup Global Markets, Inc. Credit Suisse First Boston Friedman, Billings Pamsey & Co., Inc. Goldman Sachs & Company GVR Company L.L.C. Hibernia Southcoast Capital Howe Barnes Investments, Inc. Jefferies & Company, Inc. Keefe, Bruyette & Woods, Inc. Knight Securities, L.P. Lehman Bros. Inc. Merrill Lynch, Pierce, Fenner & Smith, Inc. Morgan Stanley & Company, Inc. National Stock Exchange Piper Jaffray Companies, Inc. Sandler O'Neill & Partners Stephens, Inc. SunTrust Robinson Humphrey Capital Markets Susquehanna Capital Group UBS Capital Markets L.P. Transfer Agent and Registrar SunTrust Bank o (800) 568-3476 Address Shareholder Inquiries Send certificates for transfer and address changes to: BY MAIL: SunTrust Bank P.O. Box 4625 Atlanta, GA 30303 BY HAND OR OVERNIGHT COURIER: SunTrust Bank Stock Transfer Department 58 Edgewood Avenue, Room 225 Atlanta, GA 30303 Copies of BOK Financial Corporation's Annual Report to Shareholders, Quarterly Reports and Form 10-K to the Securities and Exchange Commission are available without charge upon written request. Analysts, shareholders and other investors seeking financial information about BOK Financial Corporation are invited to contact Steven E. Nell, Executive Vice President, Chief Financial Officer, (918) 588-6752. Information about BOK Financial is also readily available at our website: www.bokf.com