BEGIN:VCARD
VERSION:3.0
REV:2026-08-20T15:24:30Z
N;CHARSET=utf-8:Charkatz;Joel;;;
FN;CHARSET=utf-8:Joel Charkatz
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;9690 Deereco Road, Suite 500;Lutherville Ti
 monium;MD;21093;US
END:VCARD