Applicable to Physical Cards. If (i) a Physical Card is lost, stolen or has never been received by the Cardholder after it has been requested by the Customer or the Cardholder, (ii) the Cardholder suspects that their Physical Card is missing, or (iii) the Cardholder suspects that someone else may know their Personal Authentication Information or other Security Devices, the Cardholder must inform Royal Bank immediately. If a Program Administrator or the Cardholder suspects that the Physical Card or the Physical Card Information is being used by a Person other than the Cardholder, the Program Administrator or the Cardholder must inform Royal Bank immediately. Once any of the above events have been reported to Royal Bank, Royal Bank will be able to prevent the use of the Physical Card, Physical Card Information and Personal Authentication Information, and the Customer will not be liable for any unauthorized use following the receipt of such report. Also, if Royal Bank suspects unauthorized or fraudulent use of a Physical Card or the associated Physical Card Information, Royal Bank may block the Physical Card and prevent the use of the associated Physical Card Information without prior notice to the Cardholder.
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