Lines of Business Corporate Banking Consumer Banking BOK Financial operates four principal lines of business under its Bank of Oklahoma franchise: corporate banking, consumer banking, mortgage banking and trust services. BOK Financial also operates a fifth principal line of business, regional banks, which includes banking functions for Bank of Albuquerque, Bank of Arkansas and Bank of Texas. These five principal lines of business combined account for approximately 87% of total revenue. Other lines of business include: TransFund ATM network which contributed $7.8 million in 2001, $7.1 million in 2000 and $5.3 million in 1999 to net income: and BOSC, Inc. which contributed $1.4 million in 2001, $406 thousand in 2000 and $534 thousand in 1999 to net income. The Corporate Banking Division provides loan and lease financing and treasury and cash management services to businesses throughout Oklahoma and seven surrounding states. In addition to serving the banking needs of small businesses, middle market and larger customers, the Corporate Banking Division has specialized groups that serve customers in the energy, agriculture, healthcare and banking/finance industries. The Corporate Banking Division contributed 39% of consolidated net income for 2001 compared to 43% of consolidated net income for 2000. The reduction in the percent of consolidated earnings contributed by the Corporate Banking Division reflects the growth in the Regional Banks Division, most notably Bank of Texas. Total revenue for this division increased 11% primarily due to a 13% increase in outstanding loans. This increase in revenue was partially offset by increases in interna] funding rates charged to the Corporate Banking Division. Operating expense for this division increased 7%. The provision for loan loss represents net loans charged off or recovered for the Corporate Banking Division. The Consumer Banking Division provides its customers throughout Oklahoma with a full line of deposit, loan and fee-based services through four major distribution channels: traditional branches, supermarket branches, the 24-hour ExpressBank call center and the Internet. Additionally, the division is a significant referral source for the Bank of Oklahoma Mortgage Division (“BOk Mortgage”) and BOSC’s retail brokerage division. The Consumer Banking Division contributed 14% of consolidated net income for 2001 and 17% of consolidated net income for 2000. Net expense from external sources decreased $16.1 million due primarily to lower.rates paid on deposits. This decrease was partially offset by lower revenue from internal sources due to rates charged to other operating units. Operating expenses increased $4.2 million or 8% during 2001, including a $2.0 million increase in personnel costs. Years ended December 31, 2001 2000 1999 Revenue (interest expense)from external sources $ 14,054) $ (20,154) $ (1,065) Revenue (interest expense)from internal sources 94,393 107,172 80,973 Operating expense 59,099 54,906 53,545 Net income 16,539 17,379 14,602 Average assets $2,192,698 $2,140,383 $2,100,368 Average equity 69,102 60,813 58,824 Return on assets 75% 81% 10% Return on equity 23.93 28.58 24.82 Efficiency ratio 65.42 63.10 67.01 Table 5 Consumer Banking (In Thousands) Years ended December 31, 2001 2000 1999 Revenue (interest expense) from external sources.  $ 229,277. $ 264,623 $ 207,926 Revenue (interest expense)from internal sources (86,615) (136,367) (92,844) Operating expense 57,322 53.451 47,025 Provision for loan.loss 10,493 3,658 Gah Net income 45,580 43,471 42,262 Average assets $3,854,310 $3,370,044. $2,933,619 Average equity 442,870 392,711 330,091 Return on assets 1.18% 1.29% 1.44% Return on equity 10.29 11.07 12.80 Efficiency ratio 40.18 41.68 40.86 Table 4 Corporate Banking (In Thousands) 13