BEGIN:VCARD
VERSION:3.0
REV:2026-04-23T19:42:30Z
N;CHARSET=utf-8:Cruz;Michael;;;
FN;CHARSET=utf-8:Michael Cruz
TEL;WORK:(925) 730-3809
ADR;WORK;POSTAL;CHARSET=utf-8:;;4309 Hacienda Dr Ste 200;Pleasanton;CA;9458
 8;US
URL:https://advisor.morganstanley.com/the-jdm-group
END:VCARD
