BEGIN:VCARD
VERSION:2.1
N;CHARSET=utf-8:Fangming Zhao
FN;CHARSET=utf-8:Fangming Zhao
ORG;CHARSET=utf-8:
TITLE;CHARSET=utf-8:Regional Product Lead
TEL;WORK;VOICE;CHARSET=utf-8:
TEL;CELL;VOICE;CHARSET=utf-8:
TEL;WORK;FAX;CHARSET=utf-8:
EMAIL;CHARSET=utf-8:fzhao@munichre.com
URL;WORK;CHARSET=utf-8:
ADR;WORK;PREF;CHARSET=utf-8:;;
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END:VCARD