BOK FINANCIAL CORP

Certain principal shareholders, directors of the Company and their associates were customers of and had loan transactions with BOK Financial or its subsidiaries during 2023. 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 loans with persons not related to the Company, and (iii) did not involve more than the normal risk of collectability or present other unfavorable features.

The Company does not have any practices or policies regarding hedging by employees, officers or directors to hedge or offset any decrease in the market value of equity securities granted as compensation, or held directly or indirectly by the employee, officer or director; and such transactions are generally permitted. The Company has an Insider Trading Policy that governs the timing of transactions by insiders in Company stock or derivatives thereof.

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.

BOKF, NA leases office space in the Copper Oaks and Lewis Center facilities located in Tulsa, Oklahoma, which are owned by Mr. Kaiser and affiliates. Lease payments for both facilities totaled approximately $717 thousand in 2023.

QuikTrip Corporation has entered into a fee sharing agreement with TransFund, BOKF’s automated teller machine ("ATM") network (“TransFund”), respecting transactions completed at TransFund ATMs placed in QuikTrip locations. In 2023, the Company paid QuikTrip approximately $11.4 million pursuant to this agreement. Mr. Cadieux and related interests have entered into interest rate derivative contracts with the Company. As of December 31, 2023, the total fair value of these contracts was an unrealized gain of $1,454,636 from the perspective of Mr. Cadieux and his related parties. Mr. Cadieux, a BOK Financial director, is Chief Executive Officer, Chairman, and a significant shareholder of QuikTrip Corporation.

In August 2021, Griffin Communications, LLC entered into additional interest rate hedges with the Company. On December 31, 2023, the total fair value of these and previously executed interest rate hedges was an unrealized gain of $3,508,781 from Griffin Communication, LLC's perspective. David Griffin, a BOK Financial director, is President and Chief Executive Officer of Griffin Communications, LLC.