Company: BOKF
Filing Date: 2025-03-20
Form Type: DEF 14A
Source: 0000875357-25-000020
Chunk: 44

Company: BOK FINANCIAL CORP
Filing Date: 2025-03-20
Form: DEF 14A
Chunk 44
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 upon vesting in 2025).

<div align='center'>BOK Financial Corporation | 46</div>

Participants have the ability to invest non-equity contributions in a variety of fund options, and equity awards are non-diversifiable until the two-year hold requirement is met as described in "Long Term Incentive Compensation" on page 38. Account transactions, including asset allocation changes, rebalances, and transfers, are processed daily.

Distribution elections may be made to pay balances at retirement/termination or in-service, while the participant is still employed by the Company. Retirement balances may be paid out to participants in a lump sum, in annual installments over a period of up to 15 years, or in a partial lump sum with the balance paid in installments. In-service balances can be paid in a lump sum or in annual installments over a period of up to five years.

Balances of terminated employees are generally paid in a lump sum, unless an in-service installment pay out has already begun. In-service balances are valued as of the end of the month selected with payouts made the following month. Retirement/termination balances are generally valued on the last business day of the sixth month following the month the termination occurs, with payments made the following month. Pursuant to Internal Revenue Service regulations, Participants may change the timing and form of payment, subject to at least a five-year delay in benefit commencement. All changes must be submitted at least 12 months prior to the current distribution date to be valid.

Income taxes on contributions and earnings are deferred until the time of distribution. Withholding for Social Security and Medicare is made at the time income is earned, or as Company contributionsvest.

<div align='center'>BOK Financial Corporation | 47</div>

#### Potential Payments Upon Termination
The following table shows potential payments to the named executive officers under existing contracts, agreements, plans or arrangements for various scenarios, assuming a December 31, 2024 termination date. Each of the named executive officers is subject to an employment agreement.

| Executive Name(1)         |     | Compensation Component |           |     | Termination without Cause(2) |           |     | Termination without Cause Following a Change of Control(3) |            |     | Termination for Cause(4) |       |
|:--------------------------|:----|:-----------------------|----------:|:----|:-----------------------------|----------:|:----|:-----------------------------------------------------------|-----------:|:----|:-------------------------|------