Software to detect fraud in the consumer phone cards tracks the number of metropolitan areas where call originates each and every day. It is found that 1% of the legitimate users originate calls from two or more metropolitan areas in the single day. But, 30% of fraudulent users originate calls from two or more metropolitan areas in the single day. The proportion of fraudulent users is 0.01%. If the same user creates calls from two or more metropolitan areas in the single day, what is the probability that the user is fraudulent?