The relevant facts of this case were previously summarized by this court as follows: "Petitioner was the beneficiary of a fund in the approximate amount of $28,000 while he was still legally an infant. His widowed mother was appointed guardian by Surrogate's Court. Joint administration of the guardianship account with Surrogate's Court was dispensed with upon the filing of a [$30,000] bond issued by respondent, Glens Falls Insurance Company...
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