BEGIN:VCARD
VERSION:3.0
ORG: 
N:Downer;Joe
FN:jhd11
STREET-ADDRESS:
ADR;HOME:;;;Charlotte;NC;28277;
LOCALITY:Charlotte
REGION:NC
POSTAL-CODE:28277
TEL;HOME;VOICE:
EMAIL:jhd11@hotmail.com
URL: 
END:VCARD