BEGIN:VCARD
VERSION:2.1
N:Kavanagh;Lloyd
FN:Lloyd Kavanagh
ORG:MinterEllisonRuddWatts;Banking & Financial Services
TITLE:Partner
TEL;WORK;VOICE:+64 9 353 9976
TEL;CELL;VOICE:+64 21 786 172
ADR;WORK:;Auckland;Level 22;Auckland ;;;New Zealand 
LABEL;WORK;ENCODING=QUOTED-PRINTABLE:Auckland=0D=0ALevel 22=0D=0AAuckland =0D=0ANew Zealand 
EMAIL;PREF;INTERNET:lloyd.kavanagh@minterellison.co.nz
REV:20220711T210618Z
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
END:VCARD
