BEGIN:VCARD
VERSION:2.1
N;CHARSET=utf-8:Andrew Fowles
FN;CHARSET=utf-8:Andrew Fowles
ORG;CHARSET=utf-8:
TITLE;CHARSET=utf-8:Chief Broking Officer, Binding Authorities
TEL;WORK;VOICE;CHARSET=utf-8:
TEL;CELL;VOICE;CHARSET=utf-8:
TEL;WORK;FAX;CHARSET=utf-8:
EMAIL;CHARSET=utf-8:afowles@munichre.com
URL;WORK;CHARSET=utf-8:
ADR;WORK;PREF;CHARSET=utf-8:;;
PHOTO;TYPE=JPEG;ENCODING=BASE64:
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

END:VCARD