BEGIN:VCARD
VERSION:3.0
REV:2026-04-10T06:37:06Z
N;CHARSET=utf-8:Rate,;Richard;;;
FN;CHARSET=utf-8:Richard Rate,
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;712 Clara Terrace;Bel Air;MD;21014;US
END:VCARD