BEGIN:VCARD
VERSION:2.1
N;CHARSET=utf-8:Andre Knoerchen
FN;CHARSET=utf-8:Andre Knoerchen
ORG;CHARSET=utf-8:
TITLE;CHARSET=utf-8:Head of New Tech Underwriting
TEL;WORK;VOICE;CHARSET=utf-8:
TEL;CELL;VOICE;CHARSET=utf-8:
TEL;WORK;FAX;CHARSET=utf-8:
EMAIL;CHARSET=utf-8:aknoerchen@munichre.com
URL;WORK;CHARSET=utf-8:
ADR;WORK;PREF;CHARSET=utf-8:;;
PHOTO;TYPE=JPEG;ENCODING=BASE64:
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

END:VCARD