Liz Heitmann Residential Loan Consultant Vice President Ph 805.568.5566 Cell 805.455.0772 1035 State Street Santa Barbara, CA 93101 lheitmann@businessfirst.com www.businessfirst.com/lheitmann

Business First Bank, a division of Heritage Oaks Bank, has promoted Liz Heitmann to Vice President. Liz Heitmann has worked in Real Estate finance since 1985.  With extensive training in processing and underwriting, Liz is particularly well qualified to handle even the most complex loan scenarios.  Her background includes not only residential lending, but also land, construction, multi-family and commercial loans.

“Liz is an example of what hard work and dedication can accomplish,” says Fred Bond, Mortgage Division Manager and Senior Vice President of Heritage Oaks Bank. “Liz was our top producer for 2010 and has distinguished herself not only with her production numbers, but also with excellent quality of work and an attention to customer service that is the cornerstone of her reputation,” Bond adds.

Liz received a Bachelor of Arts degree from UCSB in 1984 and is actively involved in the Santa Barbara community. Her affiliations and volunteer activities include the following:

o    Leading Lenders – Founder, Current Member

o    SB Assoc. of Realtors – Affiliate Member, Volunteer

o    Santa Barbara Museum of Art – Women’s Board Member

o    Coastal Housing Partnership – Member

o    American Society of Women Accountants – Associate Member

o    Junior League of SB – Past Member/Chair of DVERT Committee

o    The Food Bank of Santa Barbara County- Volunteer