(1) Subject to Section KRS 393A.120, the net card value of a stored-value card, other than a payroll card or a gift card, shall be presumed abandoned on the latest of three (3) years after:
(a) December 31 of the year in which the card is issued or additional funds are deposited into it;
(b) The most recent indication of interest in the card by the apparent owner; or (c) A verification or review of the balance by or on behalf of the apparent owner.
(2) The amount presumed abandoned in a stored-value card shall be the net card value at the time it is presumed abandoned.