nsent .of the Authorized User, or Holder, is authorized use. Lost or stolen cards. 'or PINs should 'be reported immediately. to"Issyer by notifying Sankcard ..Center; P.:0:Bpx 1111, Madison, WI 53701.1111, Telephone.(608). 829- ' 6100 or 1.800.221.5920. Holder shall be liable for all charges, fees and