Business First Bank, a division of Heritage Oaks Bank, is pleased to announce Annette Jorgensen has joined the Bank as its Small Business Administration (SBA) Business Development Officer. Ms. Jorgensen has been in the SBA lending industry for over 21 years. She specializes in SBA loans to help people fulfill their dreams of starting, buying or owning a business, as well as financing owner/user commercial real estate.

“We are thrilled to announce that Annette Jorgensen has joined Business First Bank, as Vice President and SBA specialist, says Joanne Funari, Market President. “We are very fortunate to have someone like Annette who has such broad knowledge and experience in all facets of SBA lending and has a long history of helping businesses succeed in our community. She is a GREAT addition to our team. We are excited about expanding our SBA footprint and doing what we do best – improving our economy one business at a time,” adds Joanne.

As the SBA Business Development Officer for both Business First and its partner Heritage Oaks Bank, Ms. Jorgensen is responsible for developing new profitable SBA business for the Bank. With her extensive SBA lending background, Ms. Jorgensen has a thorough understanding of SBA loan procedures. She possesses a working knowledge of SBA lending regulations and eligibility guidelines.

“I am very excited and happy to join the Business First Bank” said Annette Jorgensen. “The employees along with the bank environment are amazing and I look forward to providing my expertise and knowledge in SBA lending to the business community and bank customers,” added Jorgensen.

Ms. Jorgensen is a University of California, Santa Barbara graduate with a degree in business economics and has lived in the Santa Barbara/Goleta area for 30 years. She will be focusing on Santa Barbara and San Luis Obispo Counties as well as the Ventura area.

Annette enjoys giving back to her community and often speaks at Women’s Economic Ventures (WEV) and City College Entrepreneurial classes. She is on the board for SABER and is involved with the PTSA at Dos Pueblos High School.

“Expect More” Dedication

Celebrating TWENTY NINE YEARS of dedicated service, Heritage Oaks Bancorp (NASDAQ: HEOP), is the holding company for Heritage Oaks Bank which operates as Heritage Oaks Bank and Business First, a division of Heritage Oaks Bank. Heritage Oaks Bank has its headquarters plus one additional branch in Paso Robles, two branch offices in San Luis Obispo, single branch offices in Cambria, Arroyo Grande, Atascadero, Templeton and Morro Bay and three branch offices in Santa Maria. Heritage Oaks Bank conducts commercial banking business in San Luis Obispo County and Northern Santa Barbara County. The Business First division has two branch offices in Santa Barbara. Expect More and learn more by visiting

“Expect More” Value

Our “‘Expect More” commitment is to serve the best interest of our customers and employees with a genuine personal connection. This daily commitment has established Heritage Oaks Bank and Business First Bank, a division of Heritage Oaks Bank, as the largest publicly owned and operated community banking organization on the Central Coast.

Member Federal Deposit Insurance Corporation and Equal Housing Lender.