Sounds like a Base64 encoding. You may try this (of course, contents of m.lcJPGinVCard must be complete):

m.lcJPGFileName = "photo.jpg"

m.lcJPGinVCard="PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQAAAQABAAD/2wBDAAICAgICAQICAgIC" + ;
 "AgIDAwYEAwMDAwcFBQQGCAcICAgHCAgJCg0LCQkMCggICw8LDA0ODg4OCQsQEQ8OEQ0ODg7/2w" + ;
 "BDAQICAgMDAwYEBAYOCQgJDg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4O" + ;
 "Dg4ODg4ODg4ODg7/wAARCAE6AToDASIAAhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAAAAAAECAw" + ;
 "QFBgcICQoL/8QAtRAAAgEDAwIEAwUFBAQAAAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBkaEII0Kx" + ;
 "wRVS0fAkM2JyggkKFhcYGRolJicoKSo0NTY3ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZnaGlqc3" + ;
 "R1dnd4eXqDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW" + ;
 "19jZ2uHi4+Tl5ufo6erx8vP09fb3+Pn6/8QAHwEAAwEBAQEBAQEBAQAAAAAAAAECAwQFBgcICQ" + ;
 "oL/8QAtREAAgECBAQDBAcFBAQAAQJ3AAECAxEEBSExBhJBUQdhcRMiMoEIFEKRobHBCSMzUvAV"

m.lcJPGTtype = "TYPE=JPEG:"

STRTOFILE(STRCONV(SUBSTR(m.lcJPGinVCard,AT(m.lcJPGTtype,m.lcJPGinVCard) + LEN(m.lcJPGTtype)),14),m.lcJPGFileName,.F.)

>has anybody gotten a phot out of a vcard
>like this:
>

>PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQAAAQABAAD/2wBDAAICAgICAQICAgIC
> AgIDAwYEAwMDAwcFBQQGCAcICAgHCAgJCg0LCQkMCggICw8LDA0ODg4OCQsQEQ8OEQ0ODg7/2w
> BDAQICAgMDAwYEBAYOCQgJDg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4ODg4O
> Dg4ODg4ODg4ODg7/wAARCAE6AToDASIAAhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAAAAAAECAw
> QFBgcICQoL/8QAtRAAAgEDAwIEAwUFBAQAAAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBkaEII0Kx
> wRVS0fAkM2JyggkKFhcYGRolJicoKSo0NTY3ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZnaGlqc3
> R1dnd4eXqDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW
> 19jZ2uHi4+Tl5ufo6erx8vP09fb3+Pn6/8QAHwEAAwEBAQEBAQEBAQAAAAAAAAECAwQFBgcICQ
> oL/8QAtREAAgECBAQDBAcFBAQAAQJ3AAECAxEEBSExBhJBUQdhcRMiMoEIFEKRobHBCSMzUvAV....
>

>
>
>thanks
>
>Peter