BEGIN:VCARD
VERSION:2.1
N;CHARSET=utf-8:Niederer;Werner;;;
FN;CHARSET=utf-8:Werner Niederer
ORG;CHARSET=utf-8:
TEL;WORK;voice:+43 2252 508 101
TEL;CELL;voice:+43 660 495 14 73
ADR;WORK;CHARSET=utf-8:;;Kranzbichlerstrasse 53-55/EG4;St.Pölten;;3100;AT
EMAIL;PREF;INTERNET:werner.niederer@helvetia.at
URL:https://www.helvetia.com/at/web/de/ueber-helvetia/kontakt-aufnehmen/helvetia-standorte/bversicherungsagentur-frankenfels#NIWE
REV:20260428T051636Z
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

END:VCARD