BEGIN:VCARD VERSION:2.1 N;LANGUAGE=en-us:Smith;Gary FN:Gary Smith ORG:Encore Consumer Capital TITLE:Operating Executive TEL;WORK;VOICE:(415) 296-9850 x103 TEL;WORK;VOICE:(415) 230-7783 ADR;WORK;PREF:;;111 Pine Street, Suite 1825;San Francisco;CA;94111;United States of America LABEL;WORK;PREF;ENCODING=QUOTED-PRINTABLE:111 Pine Street, Suite 1825=0D=0A= San Francisco, CA 94111 X-MS-OL-DEFAULT-POSTAL-ADDRESS:2 URL;WORK:www.encoreconsumercapital.com EMAIL;PREF;INTERNET:gary@encoreconsumercapital.com X-MS-OL-DESIGN;CHARSET=utf-8: REV:20081002T002138Z END:VCARD