(1) Except as otherwise provided in § 66-29-113, a stored-value card other than a payroll card or a gift card is presumed abandoned five (5) years after the later of: December 31 of the year in which the card is issued or additional funds are deposited into it;
(2) The most recent indication of interest in the card by the apparent owner; or
(3) A verification or review of the balance by or on behalf of the apparent owner.
(4) The amount abandoned by the owner in a stored-value card is the net card value at the time it is presumed abandoned.