Tommy lost his prepaid "City Buck" card 3 weeks ago.

Tommy lost his prepaid "City Buck" card 3 weeks ago. Someone found the card and made $311 worth of purchases, which was enough to deplete the card's value. In accordance with the terms of "City Buck" card, the Bank does not reimburse any amount in case of the fraudulent purchases. How much fraud protection can Tommy count on?
$311.
$110.
$0.
$11.