The plaintiff (hereinafter "depositor") had a certificate of deposit in defendant bank (hereinafter "bank"). The certificate matured on September 13, 1982 at which time depositor renewed it and added his son's name as co-depositor. The new certificate of deposit had a face value of $25,000, and was due to mature on March 14, 1983. It was made payable to either depositor or his son "upon return of certificate...
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