Payment on the death of account holder

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.... event of death of the depositor of a single account or of all the depositors in a joint account, the deposit shall be payable to the nominee if a nomination exists or to the legal heir(s). (2) Whe....

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....as provided in paragraph 6 shall be repaid. (4) On the death of one or two of the account holders in a joint account, the surviving account holder or holders, if any, shall be treated as the owner ....