BEGIN:VCARD
VERSION:3.0
REV:2026-04-10T05:05:39Z
N;CHARSET=utf-8:Payne;Karl;;;
FN;CHARSET=utf-8:Karl Payne
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;3518 Rockway;Annapolis;MD;21403;US
URL: 
END:VCARD