(21a) In the case of unauthorised use of verification instruments, the following behaviour should inter alia be considered as gross negligence: the fact that the holder noted his personal identification number or any other code in an easily recognisable form, and particularly on the electronic funds transfer instrument or on an object or document kept or carried by the holder with the instrument, as well as the fact that the holder did not notify the issuer that the instrument had been lost or stolen as soon as he became aware of that fact.
(21.a) Maksājumu pārbaudes instrumentu neatļautas lietošanas gadījumā par rupju nolaidību, cita starpā, jāuzskata tas, ka konta īpašnieks atzīmējis savu personīgo identifikācijas numuru vai kādu citu kodu viegli atpazīstamā formā un it īpaši uz elektronisko naudas pārvedumu instrumenta vai priekšmeta vai dokumenta, kuru īpašnieks glabā vai nēsā līdzi kopā ar instrumentu, kā arī to, ka konta īpašnieks nav paziņojis emitentam par instrumenta pazušanu vai zādzību, tiklīdz to apzinājies.