tailieunhanh - THE GUIDE TO CASHING SAVINGS BONDS - (Formerly known as the Identification Guide for Cashing United States Savings Bonds)

Rather than focus on the decision of an investor in country j, scholarly work in this tradition centers on understanding how politicians in country i demonstrate that they are credibly committed to the preservation of stable and liberal markets. Empirically these studies ask whether different institutional structures help solve the commitment problem and provide borrowing countries with better access to international capital markets. One set of scholarly contributions argues that domestic political institutions can signal a commitment to the protection of property rights. These contributions are of two related types. The first identifies the nature. | The Guide Cashing Savings Bonds Formerly known as the Identification Guide for Cashing United States Savings Bonds Preface Your Financial Institution s Responsibility Required Your financial institution is required to cash bonds notes eligible for payment for a customer with the proper identification. For purposes of this guide a customer is any person presenting bonds at your financial institution whether or not they have an account. Optional Your financial institution may but is not required to cash bonds notes presented by a parent of a minor a beneficiary or a legal representative. Prohibited Your financial institution may NOT cash bonds notes presented and signed by an attorney-in-fact an individual acting under a power of attorney . Preface Why Using This Guide Is Important - Liability If you cash a bond note for the wrong person your financial institution is liable for the loss unless the Department of the Treasury can determine the loss was not due to fault or negligence on the part of the paying agent. Treasury will be able to make that determination if you follow the instructions in this guide when you cash a savings bond. What You Should Do 1. Check each bond or note to be sure it s eligible for payment. 2. Make sure you have a good request for payment. 3. Require adequate identification. 4. Make a notation of the identification .

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