Opinion ID: 2425363
Heading Depth: 2
Heading Rank: 2

Heading: Boatmen's Bank Certificate of Deposit

Text: In 1981, the Bank of Independencepredecessor to Boatmen's Bankissued a certificate of deposit in Tate's name alone. In 1984, Tate requested by letter that the Bank add Lang's name to the certificate. The Bank responded by typing Lang's name on the face of the certificate, next to Tate's. When the certificate expired, the bank twice reissued it to Marjorie Tate or Phyllis Anne Lang. This was the status of the certificate at Tate's death. The certificate of deposit, on its reverse side, states: JOINT ACCOUNTS: If the deposit certified by this Certificate has been made in the names of two persons, it is agreed between them and Bank that A. such persons own this Certificate and the deposit which it evidences as joint tenants with right of survivorship: B. the sum deposited, and interest accrued thereon, may be paid to either of them or to the survivor of them: