Common Stock Information 
      (Cusip: 658654 10 8):

There are  611,983 shares of common stock outstanding as of December 31, 2002.   No cash dividend on the common stock is scheduled at this time.

The current market maker for our stock is Stan Covey at Pennaluna and Company, 421 Sherman Avenue, Coeur d'Alene, Idaho 83814 (800-541-5558).  A market may also be made by Piper Jaffray, Inc., and D. A. Davidson and Company, both of which have offices in Spokane. The symbol for the preferred stock is NCLIP and NCLI for the common stock.

The Annual Meeting of Stockholders is held in Spokane on the fourth Friday of April at the Spokane Club, 1002 West Riverside Avenue, just a block from the North Coast Home Office.