BEGIN:VCARD
VERSION:3.0
REV:2026-05-07T02:33:33Z
N;CHARSET=utf-8:Kramer;James;;;
FN;CHARSET=utf-8:James Kramer
TEL;WORK:(320) 253-8256
ADR;WORK;POSTAL;CHARSET=utf-8:;;1260 32nd Ave N;Saint Cloud;MN;56303;US
URL:http://www.kramerfinancial.org
END:VCARD