100:00:27,318 --> 00:00:30,070(CELL PHONE RINGING)200:00:36,953 --> 00:00:38,162Hello? This isSandy Patterson.300:00:38,329 --> 00:00:39,455WOMAN: Yes, Mr. Patterson.400:00:39,622 --> 00:00:42,041I'm Janine from theFraud Protection Department500:00:42,125 --> 00:00:44,084of Identi-vaultCredit Monitoring Service.6