BEGIN:VCARD VERSION:2.1 N;LANGUAGE=en-us:Brown;Robert FN:Robert Brown ORG:Encore Consumer Capital TITLE:Managing Director TEL;WORK;VOICE:(415) 296-9850 x101 TEL;WORK;VOICE:(415) 230-7781 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:robert@encoreconsumercapital.com X-MS-OL-DESIGN;CHARSET=utf-8: REV:20081002T002041Z END:VCARD