BEGIN:VCARD
VERSION:3.0
ADR:;;2015 Ayrsley Town Blvd Suite 202\, Office 222;Charlotte;NC;28273;
EMAIL;TYPE=INTERNET:ian.smith@rate.com
FN:Ian  Smith
N:Smith;Ian;;;
NOTE:LinkedIn: http://www.linkedin.com/company/guaranteed-rate | Facebook: 
 https://www.facebook.com/guaranteedRate | Twitter: http://www.twitter.com/
 guaranteedrate
ORG:Rate Inc.
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
TEL;TYPE=WORK:(704) 946-2649
TEL;TYPE=CELL:(704) 458-0526
TITLE:VP of Mortgage Lending
URL;TYPE=WORK:https://Rate.com/iansmith
X-FACEBOOK:https://www.facebook.com/guaranteedRate
X-LINKEDIN:http://www.linkedin.com/company/guaranteed-rate
X-TWITTER:http://www.twitter.com/guaranteedrate
X-WEBPAGE:https://Rate.com/iansmith
END:VCARD
