At Bank of North Carolina, we've always been passionate about responding to our customers' needs for quality banking products. Providing these tools and solutions is our pleasure, and we're known for delivering more than you expect.

We're also delighted to deliver our outstanding banking service directly to you and your computer, through Bank of North Carolina Online.

Our Online Banking service demonstrates our commitment to serve customers beyond the confines of the branch offices. Since you don't always have time for a trip to the bank during regular business hours, Online Banking lets you handle a wide range of transactions whenever you want, 24 hours a day.

With just a few keystrokes, you can easily access account balances and activity, view or print an account history, transfer funds between accounts, and even pay bills online. We've also provided links to a wealth of helpful financial information, including a link to our investment partner, Raymond James Financial Services, Inc., an excellent resource for sound investment advice.

If you're a stockholder in Bank of North Carolina, BNC Bancorp (NASDAQ symbol "BNCN") you'll find links to the Company's annual reports and press releases. Plus we've included handy links to stock quotes and Securities and Exchange Commission Filings.

We hope you find our website easy, convenient and rewarding to use. Feel free to browse the entire site, come back often, and let us know your comments or suggestions.

Our goal is to offer you all the advantages of the latest "high tech" services, delivered with the same "high touch" attitude you enjoy when you visit us in person.

As for the friendly smiles, you'll still get those at all of our branch offices!

Sincerely,

Rick Callicutt
President and CEO
Bank of North Carolina