(a) arose out of the unauthorized use of a credit card or a debit card which was not delivered to the holder; or
(b) arose subsequent to the giving of notice by the holder to the issuer of the unauthorized use, loss or theft, of such credit card or debit card; or
(c) is in excess of the limitation of liability for the unauthorized use of a credit card provided in the act of congress entitled "Truth in Lending Act" and the regulations thereunder, as such act and regulations may from time to time be amended. 2. If any of the defenses set forth in subdivision one of this section be established, the court shall order the issuer to pay the reasonable attorney's fees incurred in the defense of the action if the court finds
(a) that the holder has cooperated with the issuer in determining the facts and circumstances relating to such unauthorized use, loss or theft, of the credit card or debit card; and
(b) that notwithstanding such cooperation with the issuer, the issuer has brought the action without reasonable cause.
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