BEGIN:VCARD
VERSION:3.0
REV:2026-10-14T15:48:44Z
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