-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, Sq4fTqz07rbqNAVOyNAGRmAGfkutSCIftZZDYSgatSOv+CLHUTUFYylIs7kBV3xq cgVmYq4749VApC39XwGhuA== 0000875357-96-000010.txt : 19960924 0000875357-96-000010.hdr.sgml : 19960924 ACCESSION NUMBER: 0000875357-96-000010 CONFORMED SUBMISSION TYPE: SC 13D/A PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 19960923 SROS: NASD SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: LIBERTY BANCORP INC /OK/ CENTRAL INDEX KEY: 0000737287 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 731218204 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A SEC ACT: 1934 Act SEC FILE NUMBER: 005-35404 FILM NUMBER: 96633405 BUSINESS ADDRESS: STREET 1: 100 N BROADWAY CITY: OKLAHOMA CITY STATE: OK ZIP: 73102 BUSINESS PHONE: 4052316000 FORMER COMPANY: FORMER CONFORMED NAME: BANKS OF MID AMERICA INC DATE OF NAME CHANGE: 19920703 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: BOK FINANCIAL CORP ET AL CENTRAL INDEX KEY: 0000875357 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 731373454 STATE OF INCORPORATION: OK FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A BUSINESS ADDRESS: STREET 1: BANK OF OKLAHOMA TOWER STREET 2: PO BOX 2300 CITY: TULSA STATE: OK ZIP: 74192 BUSINESS PHONE: 9185886000 MAIL ADDRESS: STREET 1: BANK OF OKLAHOMA TOWER STREET 2: P O BOX 2300 CITY: TULSA STATE: OK ZIP: 74192 SC 13D/A 1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Fourth Amendment) ------------------ Under the Securities Exchange Act of 1934 LIBERTY BANCORP, INC. (Name of Issuer) Common Stock, par value $.01 per share (Title of Class of Securities) 530175108 (CUSIP Number) FREDERIC DORWART Old City Hall 124 East Fourth Street Tulsa, OK 74103-5010 (918) 583-9922 (918) 583-8251 (Facsimile) _____________________________________ (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) September 13, 1996 _____________________________________ (Date of Event Which Required Filing) If the filing person has previously filed a statement on Schedule 13G to report the acquisition which is the subject of this Schedule 13D, and is filing this schedule because of Rule 13d-1(b) (3) or (4), check this box [ ]. Check the following box if a fee is being paid with this statement [ ]. CUSIP No. 530175108 (1) Name of Reporting Person S.S. BOK Financial Corporation or I.R.S. Identification No. of Above Person (2) Check the Appropriate Box (a) [ ] if a Member of a Group (b) [X] (See instructions) (3) SEC Use Only (4) Source of Funds (See instructions) BK (5) Check if Disclosure of Legal Proceedings is Required Pursuant to Items 2(d) or 2(e) (6) Citizenship or Place Oklahoma Corporation of Organization Number of Shares Beneficially Owned by Each Reporting Person With: (7) Sole Voting Power 464,205 (8) Shared Voting Power None (9) Sole Dispositive Power 464,205 (10) Shared Dispositive Power None (11) Aggregate Amount Beneficially 464,205 Owned by Each Reporting Person (12) Check if the Aggregate Amount in [ ] Row (11) Excludes Certain Shares (See instructions) (13) Percent of Class Represented by 4.9% Amount in Row (11) (14) Type of Reporting Person CO (See instructions) SCHEDULE 13D Filed In Connection with Transactions in the Shares of Liberty Bancorp, Inc. Item 1. Security and Issuer. This schedule relates to the common stock, par value $.01 per share (the "Common Stock"), of Liberty Bancorp, Inc., an Oklahoma corporation (the "Issuer" or the "Company"). The principal executive offices of the Issuer are located at 100 North Broadway, Oklahoma City, Oklahoma. Item 2. IDENTITY AND BACKGROUND. (1) GENERAL. This statement is filed on behalf of BOK Financial Corporation, James A. Robinson and L. Francis Rooney, III. BOK Financial Corporation ("BOKF"). BOKF owns all of the issued and outstanding capital stock of Bank of Oklahoma, National Association ("BOK") and Citizens Bank of Northwest Arkansas. George B. Kaiser ("Kaiser") owns approximately 76% of the issued and outstanding common stock of BOKF. The common stock of BOKF is listed for trading on NASDAQ under the trading symbol "BOKF". (2) BOKF. BOKF is an Oklahoma corporation. BOKF is a bank holding company under the Bank Holding Act of 1965. The address of the principal business and principal office of BOKF is: Bank of Oklahoma Tower P.O. Box 2300 Tulsa, Oklahoma 74192 With respect to paragraphs (d) and (e) of this Item 2, none. (3) The executive officers, directors, and each person who may be deemed to be controlling BOKF are as follows: (4) (a) George B. Kaiser (Director of BOKF and BOK) (b) P.O. Box 2300 Tulsa, OK 74192 (c) Chairman of the Board of Directors and Chief Executive Officer BOK FINANCIAL CORPORATION and BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 Sole Director, Chief Executive Officer and Principal Owner of GBK Corporation (holding company of Kaiser-Francis Oil Company and related entities) (oil and gas exploration, production, marketing, acquisition and disposition) KAISER-FRANCIS OIL COMPANY P.O. Box 21468 Tulsa, OK 74121-1468 (d) No (e) No (f) United States of America (5) (a) W. Wayne Allen (Director of BOKF and BOK) (b) 18 Phillips Building Bartlesville, OK 74004 (c) President and Chief Executive Officer PHILLIPS PETROLEUM CO. 18 Phillips Building Bartlesville, OK 74004 (d) No (e) No (f) United States of America (6) (a) Keith E. Bailey (Director of BOKF and BOK) (b) P.O. Box 2400 One Williams Center - 49th Floor Tulsa, OK 74102 (c) Chairman of the Board and Chief Executive Officer THE WILLIAMS COMPANIES, INC. (diversified company primarily engaged in pipeline and telecommunications activities) P.O. Box 2400 One Williams Center - 49th Floor Tulsa, OK 74102 (d) No (e) No (f) United States of America (7) (a) James E. Barnes (Director of BOKF) (b) 1800 South Baltimore Avenue P.O. Box 645 Tulsa, OK 74101-0645 (c) Chairman of the Board and Chief Executive Officer MAPCO, INC. (diversified energy company with primary operations in pipelines, petroleum products, natural gas liquids, coal and liquid plant foods) 1800 South Baltimore Avenue P.O. Box 645 Tulsa, OK 74101-0645 (d) No (e) No (f) United States of America (8) (a) Sharon J. Bell (Director of BOKF) (b) P. O. Box 3209 320 South Boston, Suite 801 Tulsa, Oklahoma 74103 (c) Attorney and Managing Partner ROGERS AND BELL P. O. Box 3209 320 South Boston, Suite 801 Tulsa, Oklahoma 74103 (d) No (e) No (f) United States of America (9) (a) Larry W. Brummett (Director of BOKF and BOK) (b) 100 West Fifth Street Tulsa, OK 74103 (c) Chairman of the Board, President and Chief Executive Officer ONEOK, Inc. 100 West Fifth Street Tulsa, OK 74103 (d) No (e) No (f) United States of America (10) (a) Glenn A. Cox (Director of BOKF and BOK) (b) 401 SE Dewey, Suite 318 Bartlesville, OK 74003 (c) Retired President and COO PHILLIPS PETROLEUM COMPANY (diversified company primarily engaged in oil and gas exploration, production, refining and marketing and pipeline system operations domestically and internationally) 401 SE Dewey, Suite 318 Bartlesville, OK 74003 (d) No (e) No (f) United States of America (11) (a) Ralph S. Cunningham (Director of BOKF and BOK) (b) P.O. Box 3758 Tulsa, OK 74102-3758 (c) President and CEO Citgo Petroleum Corporation P.O. Box 3758 Tulsa, OK 74102-3758 (d) No (e) No (f) United States of America (12) (a) Nancy F. Davies (Director of BOKF and BOK) (b) 2802 Meadowlark Lane Enid, OK 73703 (c) Community Leader 2802 Meadowlark Lane Enid, OK 73703 (d) No (e) No (f) United States of America (13) (a) Dr. Robert H. Donaldson (Director of BOKF and BOK) (b) 600 South College Tulsa, OK 74104 (c) President THE UNIVERSITY OF TULSA 600 South College Tulsa, OK 74104 (d) No (e) No (f) United States of America (14) (a) William E. Durrett (Director of BOKF) (b) P.O. Box 25523 Oklahoma City, OK 73125 (c) Chairman, President and CEO AMERICAN FIDELITY CORP. (insurance holding company) P.O. Box 25523 Oklahoma City, OK 73125 (d) No (e) No (f) United States of America (15) (a) Mark W. Funke (b) P.O. Box 24128 Oklahoma City, OK 73124 (c) Executive Vice President BANK OF OKLAHOMA, N.A. P.O. Box 24128 Oklahoma City, OK 73124 (d) No (e) No (f) United States of America (16) (a) James O. Goodwin (Director of BOKF and BOK) (b) P. O. Box 3267 624 East Archer Tulsa, Oklahoma 74101 (c) Chief Executive Officer, The Oklahoma Eagle Publishing Co. P. O. Box 3267 624 East Archer Tulsa, Oklahoma 74101 (d) No (e) No (f) United States of America (17) (a) D. Joseph Graham (Director of BOK) (b) P.O. Box 21468 (6733 S. Yale - 74136) Tulsa, OK 74121-1468 (c) Vice President and CFO KAISER-FRANCIS OIL COMPANY P.O. Box 21468 (6733 S. Yale - 74136) Tulsa, OK 74121-1468 (d) No (e) No (f) United States of America (18) (a) V. Burns Hargis (Director of BOKF and BOK) (b) Two Leadership Square, Tenth Floor Oklahoma City, OK 73102 (c) Attorney and of Counsel to Law Firm of McAfee & Taft Two Leadership Square, Tenth Floor Oklahoma City, OK 73102 (d) No (e) No (f) United States of America (19) (a) Eugene A. Harris (Director of BOK) (b) P.O. Box 2300 Tulsa, OK 74192 (c) Executive Vice President BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (20) (a) H. James Holloman (b) P.O. Box 2300 Tulsa, OK 74192 (c) President BANCOKLAHOMA TRUST COMPANY P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (21) (a) Thomas J. Hughes, III (Director of BOKF and BOK) (b) P.O. Box 2220 (9810 East 42nd St.) Tulsa, OK 74101 (c) President and Chief Executive Officer HUGHES LUMBER CO. P.O. Box 2220 (9810 East 42nd St.) Tulsa, OK 74101 (d) No (e) No (f) United States of America (22) (a) E.C. Joullian, IV (Director of BOKF and BOK) (b) 2000 Classen Center - 800 East Oklahoma City, OK 73106 (c) President Mustang Fuel Corporation 2000 Classen Center - 800 East Oklahoma City, OK 73106 (d) No (e) No (f) United States of America (23) (a) Robert J. LaFortune (Director of BOKF) (b) 2104 Philtower Building 427 South Boston Tulsa, Oklahoma 74103 (c) Investments 2104 Philtower Building 427 South Boston Tulsa, Oklahoma 74103 (d) No (e) No (f) United States of America (24) (a) David L. Laughlin (b) 7060 S. Yale - #200 Tulsa, OK 74136 (c) President BancOklahoma Mortgage Corp. 7060 S. Yale - #200 Tulsa, Oklahoma 74136 (d) No (e) No (f) United States of America (25) (a) Philip C. Lauinger, Jr. (Director of BOKF) (b) 320 S. Boston, Suite 1130 Tulsa, OK 74103 (c) President and Chief Executive Officer LAUINGER PUBLISHING COMPANY 320 S. Boston, Suite 1130 Tulsa, OK 74103 (d) No (e) No (f) United States of America (26) (a) David R. Lopez (Director of BOKF and BOK) (b) 800 North Harvey Oklahoma City, OK 73102 (c) President - Oklahoma Southwestern Bell Telephone 800 North Harvey Oklahoma City, OK 73102 (d) No (e) No (f) United States of America (27) (a) Stanley A. Lybarger (Director of BOKF and BOK) (b) P.O. Box 2300 Tulsa, OK 74192 (c) President and COO BOK FINANCIAL CORPORATION and BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (28) (a) Frank A. McPherson (Director of BOKF and BOK) (b) P.O. Box 25861 Oklahoma City, OK 73125 (c) Chairman of the Board and CEO KERR-McGEE CORPORATION P.O. Box 25861 Oklahoma City, OK 73125 (d) No (e) No (f) United States of America (29) (a) John J. Maintz (b) P.O. Box 2300 Tulsa, OK 74192 (c) Senior Vice President BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (30) (a) John C. Morrow (b) P.O. Box 2300 Tulsa, OK 74192 (c) Senior Vice President/Controller BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (31) (a) Robert L. Parker, Sr. (Director of BOKF) (b) Eight East Third Street Tulsa, OK 74103 (c) Board Chairman PARKER DRILLING COMPANY Eight East Third Street Tulsa, OK 74103 (d) No (e) No (f) United States of America (32) (a) James W. Pielsticker (Director of BOKF and BOK) (b) 4230 South Elwood Tulsa, OK 74107 (c) Arrow Trucking Company 4230 South Elwood Tulsa, OK 74107 (d) No (e) No (f) United States of America (33) (a) James A. Robinson (Director of BOKF) (b) 1924 S. Utica, Suite 1004 Tulsa, OK 74104 (c) Investments 1924 S. Utica, Suite 1004 Tulsa, OK 74104 (d) No (e) No (f) United States of America (34) (a) L. Francis Rooney, III (Director of BOKF and BOK) (b) 111 West Fifth Street Tulsa, OK 74103-4253 (c) Chairman of the Board and Chief Executive Officer Manhattan Construction Co. 111 West Fifth Street Tulsa, OK 74103-4253 (d) No (e) No (f) United States of America (35) (a) Norman W. Smith (b) P.O. Box 2300 Tulsa, OK 74192 (c) Executive Vice-President BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (36) (a) Wayne D. Stone (b) P.O. Box 24128 Oklahoma City, OK 73124 (c) President-Oklahoma City BANK OF OKLAHOMA, N.A. P.O. Box 24128 Oklahoma City, OK 73124 (d) No (e) No (f) United States of America (37) (a) Gregory K. Symons (b) P.O. Box 2300 Tulsa, OK 74192 (c) Executive Vice President BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (38) (a) James A. White (Director of BOK) (b) P.O. Box 2300 Tulsa, OK 74192 (c) Executive Vice-President and Chief Financial Officer of BOKF and BOK BANK OF OKLAHOMA, N.A. P.O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (39) (a) Charles D. Williamson (b) P. O. Box 2300 Tulsa, OK 74192 (c) Executive Vice-President BANK OF OKLAHOMA, N.A. P. O. Box 2300 Tulsa, OK 74192 (d) No (e) No (f) United States of America (40) (a) Robert L. Zemanek (Director of BOKF and BOK) (b) 212 East 6th Street Tulsa, OK 74119 (c) President and CEO Public Service Company of Oklahoma 212 East 6th Street Tulsa, OK 74119 (d) No (e) No (f) United States of America Item 3. SOURCE OR AMOUNT OF FUNDS OR OTHER CONSIDERATION. (1) BOKF: $14,300,648; borrowings from NationsBank of Texas, N.A. (Dallas, Texas). Item 4. PURPOSE OF TRANSACTIONS. BOKF has acquired its shares of Liberty Bancorp, Inc. ("Liberty") Common Stock primarily to hold for investment. BOKF may determine to acquire additional shares of Liberty or to sell all or part of its shareholdings. On September 13, 1995, the Board of Governors of the Federal Reserve System ("FED") approved the application of BOKF to acquire the 50,000 shares described in Item 6 and additional shares of Liberty in a total amount not to exceed 9.99% of Liberty's outstanding shares. The FED approval expired September 13, 1996. Under the Bank Holding Company Act of 1956 ("BHCA"), BOKF may not acquire 5% or more of the outstanding shares of Liberty Common Stock without FED approval. BOKF may or may not seek such approval. BOKF may or may not buy shares in addition to the shares reported in Item 5, as permitted by the BHCA. See Item 5. See Item 6. BOKF continuously reviews all aspects of its investments and businesses, including regional and national economic conditions generally and specifically in the banking industry. In particular, BOKF reviews the trends of banking consolidations, statewide, regionally and nationally. Representatives of BOKF and Liberty have visited from time to time concerning their respective views of the trends, advantages and disadvantages of consolidations in the banking industry generally, and with respect to BOKF and Liberty specifically. BOKF intends to continue such discussions. BOKF routinely considers the advantages, disadvantages, likelihood and practicality of further consolidations in the banking industry, both generally and with respect to itself and others, including Liberty. Item 5. INTEREST IN SECURITIES OF THE ISSUER. (1) BOKF. (a) The aggregate number of shares of Liberty Bancorp, Inc. Common Stock outstanding is 9,473,352 shares. BOKF owns legally and beneficially 464,205 shares as of the date of this Fourth Amendment which comprises 4.3% of the outstanding shares. (b) BOKF has the sole power to vote 464,205 shares of Liberty Bancorp, Inc. Common Stock. (c) See Item 6. Since May 5, 1995, BOKF has effected the following transactions in Liberty Bancorp, Inc. Common Stock on the facilities of NASDAQ: Date Number of Shares Price per 1995 Purchased(Sold) Share 5/18 (10,000) 34.8750 5/18 (5,000) 34.5000 5/18 (4,000) 34.8800 5/18 (3,000) 34.7500 5/18 (3,000) 34.7500 5/19 (1,500) 34.4500 5/31 (5,000) 33.0000 6/01 (10,000) 33.0000 6/01 (5,000) 33.0000 6/08 (6,000) 33.0000 6/09 (2,500) 33.0000 6/14 (2,000) 32.7500 6/15 (10,000) 32.1250 6/19 (5,000) 32.0000 6/19 (4,000) 32.0000 6/21 (10,000) 32.2500 6/22 (4,000) 32.2500 6/22 (1,000) 32.2500 6/27 (5,000) 32.2500 6/30 (5,000) 32.7500 7/10 (10,000) 32.5000 7/10 (10,000) 32.5000 7/14 (5,000) 33.1250 7/21 (10,000) 34.8750 8/01 (2,500) 35.0000 8/03 (1,000) 35.0000 8/03 (1,000) 35.0000 8/04 (5,500) 35.0000 8/04 (2,500) 35.0000 8/07 (10,000) 34.8750 8/09 (7,500) 34.4375 8/11 (30,000) 34.6250 8/11 (20,000) 34.5000 8/11 (50,000) 34.9375 8/14 (25,000) 35.3125 8/14 (25,000) 35.2500 8/14 (10,000) 34.1250 8/14 (25,000) 35.5000 8/14 (5,000) 35.0000 8/14 (20,000) 35.1250 8/14 (3,000) 35.5000 9/22 50,000 31.9036 12/22 5,000 36.7500 1/12 100,000 36.8750 1/12 50,000 36.2500 1/16 68,000 36.1250 1/16 12,000 36.1250 1/17 65,000 36.0625 3/15 5,000 36.6750 3/15 5,000 36.6250 3/22 2,000 36.5000 3/25 5,000 36.6000 3/26 5,000 36.6000 4/11 2,000 36.8500 4/16 5,000 36.5000 4/16 5,000 36.7500 4/19 5,000 36.7500 4/26 1,000 36.7250 4/29 5,000 36.6250 5/8 5,000 36.7500 5/28 7,000 36.8750 (2) Robert J. LaFortune. (a) Mr. LaFortune owns legally and beneficially 201 shares of Liberty Bancorp, Inc. Common Stock. (b) Mr. LaFortune has the sole power to vote 201 shares of Liberty Bancorp, Inc. Common Stock. (c) None. (3) George B. Kaiser. (a) None. (b) None. (c) On April 28, 1995, Mr. Kaiser covered a 39,500 share short position at $30.31 per share in a market transaction. (4) Frank A. McPherson. (a) Mr. McPherson owns legally and beneficially 101 shares of Liberty Bancorp, Inc. Common Stock. (b) Mr. McPherson has the sole power to vote 101 shares of Liberty Bancorp, Inc. Common Stock. (c) None. Item 6. CONTRACTS, ARRANGEMENTS, OR UNDERSTANDINGS WITH RESPECT TO SECURITIES OF ISSUER. On May 5, 1995 BOKF acquired 439,205 shares at $31.25 per share. The 439,205 shares acquired by BOKF were acquired in a direct placement from the seller who offered for sale a block of shares totaling 489,205 shares (comprising 5.16% of the outstanding shares of Common Stock of Liberty Bancorp, Inc.). L. Francis Rooney purchased 25,000 of the 489,205 shares offered by the seller. James A. Robinson purchased 25,000 of the 489,205 shares offered by the seller at $31.25 per share. Messrs. Robinson and Rooney are directors and shareholders of BOKF. See item 2 above. BOKF entered into separate agreements with each of Messrs. Robinson and Rooney pursuant to which, subject to approval of the Federal Reserve Board, BOKF would purchase the 25,000 shares acquired by each of them for a purchase price equal to their cost. In the event the Federal Reserve Board did not approve the acquisition of the shares by BOKF on or before December 31, 1995, the agreements would become null and void. Messrs. Robinson and Rooney borrowed the funds to effect their purchases from BOK in accordance with BOK's standard lending policies. On September 13, 1995, the Federal Reserve Board approved the BOKF application to acquire the 50,000 shares and additional shares of Liberty in a total amount not to exceed 9.99% of Liberty's outstanding shares. BOKF consummated the purchase of the 50,000 shares from Messrs. Robinson and Rooney on September 22, 1995. On April 26, 1995 BOKF acquired 4,500 shares in a market transaction at $30.3125 per share. The FED approval to acquire five percent or more of the shares of Liberty Common Stock expired on September 13, 1996 at which time BOKF owned 464,205, or 4.9%, of the shares of Liberty Common Stock. See Item 4. Item 7. MATERIAL TO BE FILED AS EXHIBITS. (a) Not applicable (b) (i) James A. Robinson Promissory Note dated May 5, 1995. (ii) L. Francis Rooney, III Promissory Note dated May 5, 1995. (iii) Credit Agreement between BOKF and NationsBank of Texas, N.A. dated May 5, 1995. (iv) Letter Agreement between BOKF and James A. Robinson dated May 3, 1995. (v) Letter Agreement between BOKF and L. Francis Rooney, III dated May 3, 1995. SIGNATURE After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. BOK Financial Corporation by George B. Kaiser, Chairman of the Board of Directors Signed: /s/ George B. Kaiser -------------------- -----END PRIVACY-ENHANCED MESSAGE-----