May 15, 1996
Dear Shareholder:
The proxy form sent to you with the annual report has not
been received by us. We are anxious to have all stock
represented at our meeting. Even though you plan to attend
in person, it is still important that you send in your
proxy. The proxy can be revoked prior to or at the meeting
and you can vote your shares in person.
We hope you will attend this meeting. However, please sign
the duplicate proxy we have provided and return in the
enclosed envelope. If stock is registered in the name of
two or more persons, each must sign whether it states "and"
or "or." If one party is deceased, please write "deceased"
on the proxy. If you have already mailed your proxy, please
disregard this notice.
If you have any questions regarding the meeting or your
proxy, please feel free to call 916-786-1111 or 786-1112.
Sincerely,
/s/ROBERT L. DOYLE
ROBERT L. DOYLE
Chairman of the Board
RLD:va
Enclosures
