BEGIN:VCARD
VERSION:3.0
REV:2026-05-31T23:35:54Z
N;CHARSET=utf-8:Spencer;H;;;
FN;CHARSET=utf-8:H Spencer
TEL;WORK:(423) 752-4709
ADR;WORK;POSTAL;CHARSET=utf-8:;;820 Broad St Ste 100;Chattanooga;TN;37402;U
 S
URL:https://advisor.morganstanley.com/bruce.spencer
END:VCARD