1. The payment service user entitled to use a payment instrument shall have the following obligations:
(a) to use the payment instrument in accordance with the terms governing the issue and use of the payment instrument; and
(b) to notify the payment service provider, or the entity specified by the latter, without undue delay on becoming aware of loss, theft or misappropriation of the payment instrument or of its unauthorised use.
2. For the purposes of paragraph 1(a), the payment service user shall, in particular, as soon as he receives a payment instrument, take all reasonable steps to keep its personalised security features safe.