(a) Subject to section 1469 of this title, the net card value of a stored-value card, other than a payroll card, is presumed abandoned on the latest of three years after:
(1) 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.
(b) The amount presumed abandoned in a stored-value card is the net card value at the time it is presumed abandoned.