Stephen Patterson held an account with Suntrust Bank in Alcoa, Tennessee. Juanita Wehrmanwith whom Patterson was briefly involved in a romantic relationshipstole his debit card and used it for sixteen months (well beyond the length of their relationship) to make unauthorized purchases in excess of $30,000. When Patterson learned what was happening, he closed his account. The bank refused to reimburse him more than $677.46the amount of unauthorized transactions that occurred within sixty days of the transmittal of the bank statement that revealed the first unauthorized transaction. Is the bank's refusal justifiable? Explain. Remember that conclusory answers will receive minimal credit, so be sure to fully explain your answer.