CLIFFORD F. BROWN, J.
This court must determine whether a savings institution is liable to the beneficiaries of a P.O.D. account, when that institution changes the payee of the account at the request of the guardian of the account's legally incompetent owner. Upon due consideration of the rights associated with P.O.D. accounts, and the powers of guardians and savings institutions, we conclude that an institution which in good faith substitutes the name of the guardianship...
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