BEGIN:VCARD
VERSION:3.0
CLASS:PUBLIC
PRODID:-//class_vCard from WhatsAPI//NONSGML Version 1//EN
REV:2026-10-12 19:02:31
FN:David Heard
N:Heard;David;;;
TITLE:Branch Manager
ORG:Envoy Mortgage
ADR;type=WORK:;;1212 Broadway Plaza, Ste 2100 Ofc #69;Walnut Creek;CA;94596;
EMAIL;type=INTERNET,pref:dave.heard@envoymortgage.com
TEL;type=WORK,voice:530-902-3725
TEL;type=CELL,voice:530-902-3725
URL;type=WORK:https://www.envoymortgage.com/dave-heard/
TZ:+0000
END:VCARD