BEGIN:VCARD VERSION:4.0 N;CHARSET=utf-8:Serena Lay Choo Ng FN;CHARSET=utf-8:Serena Lay Choo Ng EMAIL:slcn@j-l.com TEL;TYPE=work:+65 6572 9166 TEL;TYPE=cell:+65 8127 7137 TITLE:Chief Accountant ORG:J. Lauritzen;Finance END:VCARD