BEGIN:VCARD
VERSION:3.0
REV:2026-05-22T10:11:57Z
N;CHARSET=utf-8:Kerbel;Howard;;;
FN;CHARSET=utf-8:Howard Kerbel
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;551 Park Street;Montclair;NJ;07043;US
END:VCARD