BEGIN:VCARD
VERSION:3.0
REV:2026-05-05T10:11:31Z
N;CHARSET=utf-8:Ratchford;Lorraine;;;
FN;CHARSET=utf-8:Lorraine Ratchford
TEL;WORK:973-716-8000
ADR;WORK;POSTAL;CHARSET=utf-8:;;213 Washington St;Newark;NJ;07102;US
END:VCARD