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<h1>Deceased depositor's FD: bank must refund principal with interest and pay compensation for denial due to missing records.</h1> The commission reaffirmed that the right of a depositor or heir to claim unclaimed deposits does not lapse and that an FD receipt is valid proof of the deposit. Banks are obligated to settle valid claims with customers or heirs and may thereafter seek reimbursement from the central bank under existing circulars. Denial of payment due to missing internal records constitutes a procedural lapse warranting compensation; banks must reimburse the FD principal with applicable interest and pay compensation and litigation costs within a specified period.