Ralph Anderson General Manager & Financial Information ralph@buchanangrp.com In 1988, Ralph Anderson brought twenty-four years of banking experience to Buchanan Enterprises, Inc. His experience includes fourteen years as branch manager where he supervised a lending portfolio of $25MM and deposits of $55MM. As Regional Sales Manager, he supervised sales activities of twenty-six branches. Ralph also spent two years as district manager where he coordinated the deposit and loan activity of five offices with assets and liabilities of $500MM. Currently, Mr. Anderson manages all banking interests for our multi- faceted firm and has excellent relationships with the banking community in the valley. As a resident of the Central Valley for over twenty-three years, his knowledge of the area and its inhabitants provides an abundance of references and background on the people Buchanan Enterprises deals with. Mr. Anderson is a graduate of the University of Pacific with a Bachelor of Arts Degree in Business Administration. He has completed postgraduate work in lending, investments and real estate. Mr. Anderson currently resides in Turlock with his wife, Dolores, and daughter, Trisha.

"Dennis Buchanan has an interesting combination of energy and conservatism.  He has the energy level and desire to achieve, tempered with a conservatism that makes him research projects thoroughly before making important decisions.  He has learned that sound development requires you to think things through - an approach we at the bank share.  Everyone who works for Dennis seems to have that same philosophy." Joe Griffin * Banker Farmers & Merchants Bank Turlock, California