McMURRAY, Chief Judge.
Sometime in December 1982 The First National Bank of Columbus, Georgia, published an announcement of its 22% insured money management account that beginning Tuesday, December 14, it would pay a guaranteed annual rate of 22% through January 13, 1983, with a minimum deposit of $2,500 and up to $100,000, fully insured by the FDIC. Whereupon, on December 14, 1982, R. C. Adams placed with the bank a cashier's check in the amount of $250,000 to open...
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