Sleepy reported the loss of her ATM card to the bank on 14 February 2020, saying that the card was in her wallet, which was stolen from her house on 25 December 2019. Also, in the wallet was her drivers licence with her date of birth (20/7/1983) and address. Sleepy was dismayed to learn that the thief had guessed her PIN (200783) which was her date of birth. The thief used the card to withdraw $10,000 from her savings account. Her bank is a subscriber to the ePayments Code and has warned their customers that they will not bear responsibility for any unauthorized transaction if the passcode is recorded in an easily understood manner. Advise Sleepy whether she has to bear the loss of $10,000.