BEGIN:VCARD VERSION:3.0 KIND:individual N:DR. RUBI BINTI AHMAD;;;; FN:DR. RUBI BINTI AHMAD EMAIL;TYPE=home:rubi@um.edu.my TEL;TYPE=home;VALUE=uri:tel:+603---7967-3961 ADR;TYPE=home:Department of Finance, Faculty of Business and Economics Of fice of The, University of Malaya, 50603 Kuala Lumpur, W.Persekutuan Kua la Lumpur, Malaysia;;;;;; END:VCARD