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      <description>Accounts are opened on application to the accounts office in Form-1 and may be Single Holder, Joint A, or Joint B. Single Holder accounts may be opened by an adult for self, by an adult as guardian for a minor or person of unsound mind, or by a minor aged ten or over. Joint A accounts (up to three adults) are payable to all holders jointly or to the survivor(s). Joint B accounts (up to three adults) are payable to any account holder or to the survivor(s).</description>
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