Peter W. Kummer and his wife had a joint account in a local savings bank. After her death he transferred the balance of $5,387.58 to the Franklin National Bank and with which he opened an account in his name or Frances Soho, his daughter, with whom he was then living. Both affixed their signatures on a card and above which there was printed "I/We hereby agree that this account when accepted shall be governed by the rules and regulations...
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