BEGIN:VCARD
VERSION:3.0
REV:2026-07-15T08:35:35Z
N;CHARSET=utf-8:Spencer;Richard;;;
FN;CHARSET=utf-8:Richard Spencer
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;Fidelity Bank;Pittsburgh;PA;15237;US
URL: 
END:VCARD