 The response can contain encoded personal identifying information, including the card holder's name, address, Social Security Number, phone number, and pertinent account or employee information.
<fluency>  The response can contain encoded personal identifying information, including the card holder's name, address, Social Security Number, phone number, and pertinent account or employee information.
 The response can contain encoded personally identifying information, including the card holder's name, address, Social Security Number, phone number, and pertinent account or employee information.