BEGIN:VCARD
VERSION:3.0
REV:2026-06-09T05:45:51Z
N;CHARSET=utf-8:Kramer;Dale;;;
FN;CHARSET=utf-8:Dale Kramer
TEL;WORK:(315) 769-9095
ADR;WORK;POSTAL;CHARSET=utf-8:;;10 Phillips St;Massena;NY;13662;US
URL:https://www.morganstanley.com/
END:VCARD