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    <description>Depositors must apply to the deposit office to open an account and make deposits to that office by crossed cheque, demand draft, or bank transfer. The deposit office must open the account, issue an acknowledgement for each deposit, retain the deposit certificate(s) in its custody, and furnish the depositor with an annual statement of account.</description>
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      <description>Depositors must apply to the deposit office to open an account and make deposits to that office by crossed cheque, demand draft, or bank transfer. The deposit office must open the account, issue an acknowledgement for each deposit, retain the deposit certificate(s) in its custody, and furnish the depositor with an annual statement of account.</description>
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