BEGIN:VCARD
VERSION:3.0
REV:2026-04-28T04:11:01Z
N;CHARSET=utf-8:Hickman;Karen;;;
FN;CHARSET=utf-8:Karen Hickman
TEL;WORK:(805) 569-1778
ADR;WORK;POSTAL;CHARSET=utf-8:;;55 Hitchcock Way Ste 111;Santa Barbara;CA;9
 3105;US
URL:https://www.morganstanley.com/
END:VCARD