We look forward to serving our customers and to providing up-to-date information to the investment community.  In that light, we provide the following answers to frequently asked questions (FAQs).

Where is BNCCORP's Stock traded? 
BNCCORP, INC.'s common stock trades on OTCQX at www.otcmarkets.com under the symbol BNCC. 

What is the stock symbol and cusip number for BNCCORP's common stock? 
BNCCORP, INC.'s stock symbol is BNCC and the cusip number is 055936 10 8.

How does someone buy BNCCORP Stock?
BNCCORP stock can be bought or sold through a stock broker, bank, or generally through a financial institution that provides brokerage services.

Who is BNCCORP's transfer agent and registrar? 
American Stock Transfer & Trust Co., 59 Maiden Lane, Plaza Level, New York, NY 10038 (800-937-5449).

How can I obtain information on BNCCORP's latest financial results? 
Our quarterly earnings releases may be obtained from this web site and information also is posted to OTCQX.   

What are some examples of "community banking?" 
Community banking, in our view, consists of giving the customer personalized service versus institutionalized service.  It involves assisting small and medium-sized businesses with complete financial consultation and advisory services in addition to providing them with traditional banking services.  The same holds true for individuals-we provide a broad range of products and services that will assist them in achieving their financial goals. Community banks also provide financial and other support to the communities they serve. 

What are BNCCORP's competitive advantages?
We have a highly competent staff and management.  Decision-makers are within earshot of the front-line people.  This availability allows for prompt and efficient service for our customers.  Because of our desire to accommodate the banking needs of our customers, both staff and management maintain an entrepreneurial attitude.

What banking trends are you seeing in BNCCORP's markets and how are you responding? 
The overall economy of North Dakota is largely driven by the strength of agri-business and the energy sectors. The economy in Minneapolis, and surrounding areas, is steady. The economy in Phoenix is historically cyclical, but this large metropolitan market offers attractive segments to the Bank.

How does BNCCORP plan to compete as consolidation continues? 
As our smaller competitors merge into larger banks, BNC has more opportunity to operate in its market niche.

The information in this article includes certain forward-looking statements that are based upon assumptions that in the future may prove not to have been accurate and are subject to significant risks and uncertainties, including statements to the future performance of the company. Although the company believes that the expectations reflected in its forward-looking statements are reasonable, it can give no assurance that such expectations or any of its forward-looking statements will prove to be correct.  Factors that could cause results to differ include, but are not limited to, successful implementation of internal plans, the impact of competitive services, pricing and general economic risks and uncertainties.

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