or the omission of a title or prefix such as "Dr.," "Rev.," "Prof.," "Madam," or "Mrs." in the signature to an order, whether or not the payee is designated by such title or prefix in the body of the order.

(viii) Order presented by payee after being endorsed by others. When an order is presented by the payee for payment, it is immaterial what endorsements there may be on the order. Payment may be made if the order is otherwise regular and there is space for the payee to sign his name on the back of the order on or near the line above the word "Payee" and inconsistent or unnecessary signatures or endorsements may be canceled.

(ix) Substitution by payee or remitter of name written in error. The payee or the remitter of an order, but no one else, may substitute any other name for one which he has already written by mistake in the body of the first endorsement thereon, and payment may be made to the person whose name has thus been substituted, if the order is regular in other respects.

(x) More than one payee. Money orders completed by the purchaser to show more than one firm or person as payee may be paid to any one of them.

(f) Stolen forms-(1) Nonacceptance. Money orders issued on stolen forms will not be accepted as valid vouchers for disbursements.

(2) Listing and notification. A list of United States stolen money orders is found in Postal Bulletins. Postmasters shall be notified immediately by telephone and confirmation by Postal Circular of any stolen Canal Zone Money Order Forms.

(3) Procedure upon presentation. If a person presents a stolen money order for payment, the person should be detained for questioning, if possible, and the local police summoned. If the person flees, the postal employee should record the description of the fugitive and any accompanying person, and license number and make of car used, if any. The information should be referred to the police and the Director of Posts and hold order for instructions.

(g) Precaution against double payment at issuing office-(1) Initial procedure. When a money order more than 60 days old is presented at the issuing office for payment or repayment, the paying clerk shall examine the related money

order post office record stub to ascertain whether an application for duplicate has been certified and forwarded to the Director of posts.

(2) Authorization by Director of Posts. If an application has been certified and forwarded, the postmaster shall retain the money order and notify the Director of Posts by memorandum. The Director of Posts then may authorize the payment or repayment of the original order, provided a duplicate has not been issued in lieu thereof.

(3) Procedure where duplicate issued. If a duplicate has been issued, the paying clerk to whom the order was presented shall write across it with ink the words, "Canceled-Duplicate Issued," and forward the order to the Director of Posts for disposition.

(h) Payment to other than payee(1) Transfer of money orders-(i) By purchaser or payee. The payee or the purchaser of a money order may endorse the order to any other person or firm. A money order may not be paid to a second person without written transfer or endorsement to him by the payee or purchaser in the prescribed form on the reverse side of the order, except as provided by subdivisions (ii) and (iii) of this subparagraph.

(ii) On power of attorney. A person with power of attorney may cash money orders in behalf of the payee who gave him that authority. The power of attorney must be filed at the office of payment.

(iii) On separate written order of payee. When the payee has filed with the Postmaster a separate written order authorizing payment to another person, and designating that person by name as the one to receive payment of and to receipt for any specified order, or for all orders payable by the same Postmaster to the payee, that person may cash money orders on behalf of the payee.

(2) Upon assignment. When a person or firm makes an assignment, and the assignor intends that money orders payable to him will be paid to assignee, he should execute a power of attorney to give such written order separate from the instrument of assignment, to be filed in the post office. The person designated to receive payment should receipt the money order as such, indicating beneath his signature the capacity in which he acts.

(3) On death of payee. A money order belonging to a deceased remitter

or payee may be paid or repaid to the executor or administrator of the estate appointed by the court. A certified copy of the appointment shall be filed with the Postmaster. If the estate is small and administration is not desired, payment shall be made in accordance with the laws of the Canal Zone. Whenever a money order belonging to a decreased remitter or payee is presented for payment, the Director of Posts should be informed and payment therefor withheld until instructions for payment are received.

(4) To concern which has ceased to exist. A money order payable to a firm, bank, or company which has ceased to exist shall be paid to the legal representative thereof.

(5) To committee or guardian. When a committee, guardian, or other person is appointed by a court to act for a person declared incompetent, money orders shall not be paid to the ward. All money orders showing the ward as payee or endorsee shall be paid only to the committee, guardian, or other duly designated person, who shall exhibit to the postmaster the authority thus to act for the ward. Such money orders shall be receipted in the name of the ward, followed by the signature and legal designation of the committee, guardian, or other authorized agent.

(6) To minor. A money order payable to a minor may be paid to the father or mother thereof as natural guardian, unless legal proceedings have been instituted which make questionable the claim of the father or mother, in which case the facts should be reported to the Director of Posts.

(i) Discrepancies or alterations. If there is any doubt as to the particulars on a money order, send Form 6006, Application for Separate Advice of Money Order, to the issuing Postmaster for verification.

(j) Payment to remitter. A money order presented by the remitter may be repaid at any paying office, upon proper identification.

(k) Payment of order withheld-(1) Invalid orders. Provisions relating to the payment of invalid Canal Zone and United States money orders are contained in § 67.723. A money order with more than one endorsement is invalid. (2) Nonpayment because of fraud(i) Proof. If the purchaser has proof that the order was purchased because of

false representations or other fraudulent action of the payee, or that the payee is engaged in conducting a scheme or device for obtaining money fraudulently through the mails, the purchaser may request the post office to withhold payment.

(ii) Orders forbidding payment. Payment of a money order should not be made under any circumstances to a specific person or firm when an order has been issued by the Postmaster General in the United States or the Director of Posts for the Canal Zone forbidding payment of money orders to such persons or firms.

[31 F.R. 12254, Sept. 16, 1966, as amended at 32 F.R. 8026, June 3, 1967; 34 F.R. 18088, Nov. 8, 1969]

CROSS REFERENCE: Postal savings certificates, applicability of this section to payment, see § 67.837(1).

§ 67.723 Payment of invalid Canal Zone and United States money orders.

(a) Period of validity—(1) Canal Zone. As provided by 2 C.Z.C. 1142, 76A Stat. 40, money orders issued by the Canal Zone Postal Service may not be paid after 20 years from the last day of the month of original issue. Claims for unpaid money orders shall be forever barred unless received by the Canal Zone Postal Service within such 20-year period. Special authority shall be obtained from the Director of Posts on Form 1250-Rev. to pay or repay a Canal Zone money order presented after one year from the last day of the month in which it was issued and prior to the expiration of the 20-year period.

(2) United States. Domestic United States money orders shall not be paid after 20 years from the last day of the month of original issue. Card money orders issued within this period may be paid. However, claims for paper money orders should be made on Form 6401, "Inquiry as to Payment of Money Order", accompanied by the order, if available.

(b) Payment of stale Canal Zone money order—(1) Procedure. In order to obtain payment of the amount of an original or duplicate money order which remains unpaid after the lapse of one year from the last day of the month of issue of the original, the holder shall present such original or duplicate order to the Postmaster at any office, who shall complete Form 1250-Rev., attach the

order thereto, and forward it to the Director of Posts. If the request is made by the issuing Postmaster, he shall make appropriate endorsement on the post office record stub of the original money order. If made by a Postmaster at a post office other than the issuing office, the Director of Posts will send Form 1250-Rev. to the issuing Postmaster who shall make appropriate endorsement on the post office record stub, complete the "Certificate of Issuing Postmaster" and return the form to the Director of Posts. If the Director of Posts is satisfied that the order has not been paid or repaid and that the applicant is entitled thereto, the money order submitted will be returned to the Postmaster making the request with authorization for payment.

(2) Bond. The Director of Posts, before authorizing payment of a money order presented for payment after lapse of one year from the last day of issue of the original may require the payee, purchaser, or endorsee, or legal representative, heirs, or assigns of either, to furnish a bond of indemnity in a penal sum of the amount of the money order, for the purpose of securing the Postal Service against loss in the event that any other person establishes a valid adverse claim to the order.

[31 F.R. 12254, Sept. 16, 1966, as amended at 34 F.R. 18088, Nov. 8, 1969]

§ 67.741

INQUIRIES

Who may receive information. Information concerning money order transactions may be given only to the purchaser, payee, or endorsee, or his agent, or to a representative of the office of the Director of Posts.

§ 67.742 Inquiries regarding payment.

Inquiries concerning the payment of a money order shall be made on Form 6401 or Form 1266. An inquiry should not be sent until 60 lays after issuance of the order.

APPLICATIONS FOR DUPLICATE MONEY ORDERS

§ 67.761 Time limitations.

(a) Except as provided by paragraph (b) of this section, an application will not be accepted or certified prior to the expiration of 60 days if the original order was intended for payment in the Canal Zone, United States, Puerto Rico, and the United States Virgin Islands, and 90 days if intended for payment in other

territories and possessions of the United States, a foreign country, or to a member of the armed forces outside the Canal Zone.

(b) An application may be accepted, certified, and forwarded at once, if the mutilated order accompanies the application or the original money order has been inadvertently destroyed and the person in whose favor the application is made executes a good and sufficient bond of indemnity in a penal sum not less than the amount of the order, conditioned upon the refund of the amount paid on the duplicate in the event that, after payment thereof, any other person establishes a valid calim to the original order, or in case the original order has been paid to the rightful owner.

(c) An application will not be accepted for a duplicate money order after 20 years from the last day of the month of original issue.

[31 F.R 12254, Sept. 16, 1966, as amended at 34 F.R. 18088, Nov. 8, 1969]

§ 67.762 Acceptance of application for duplicate money order.

(a) An application for duplicate money order may be accepted at any post office or branch on Form No. 1266, for a money order issued by the Canal Zone Postal Service, or on Form No. 6401, for a money order issued by the U.S. Postal Service.

(b) An application for a duplicate of a money order alleged to have been lost, stolen or destroyed may be accepted only from the purchaser, or the holder of the purchaser's receipt, and the duplicate shall be issued in accordance with his wishes. A money order that is lost or stolen shall be replaced, if it had been completed by the purchaser to show his name and address and the name of the intended payee.

(c) The complete name and address of the person or firm to whom the money order was sent, as well as the complete name and last known address (house number, street, and post office) of the person to whom the duplicate is to be paid, shall be determined from the applicant by inquiry.

(d) Application for a duplicate of a Canal Zone money order (Form 1266) shall be sent to the Postmaster having custody of corresponding post office record stub for certification and transmittal to Director of Posts in accordance with § 67.763.

(e) Application for duplicate of a U.S. money order (Form 6401) shall be completed in accordance with 39 CFR and forwarded to the U.S. Postal Service address preprinted on the front of Form 6401.

[31 F.R. 12254, Sept. 16, 1966, as amended at 34 F.R. 18088, Nov. 8, 1969]

§ 67.763

Certification and forwarding of application for duplicate money order.

(a) In certifying an application for a duplicate money order, the particulars thereon (number, amount, date of issue) shall be compared with those on the post office record stub to see that all are entered correctly.

(b) When an application for a duplicate is certified, the post office record stub shall be endorsed: "Duplicate applied for in favor of

(remitter, payee, endorsee, as the case may be), 19__".

(c) Upon certification of an application for duplicate money order (Form 1266) and the endorsement of the corresponding post office record stub, a dummy post office record stub shall be prepared and inserted in post office files in place of the post office record stub. The particulars noted in paragraph (a) of this section will be entered on the front of the dummy post office record stub, and endorsement noted in paragraph (b) of this section will be entered and completed on the back of the dummy post office record stub.

(d) Upon certification, each Form 1266, "Application for Duplicate" (including those accompanied by bond of indemnity or by a multilated, defaced or illegally endorsed money order) shall be forwarded to the Director of Posts accompanied by the corresponding post office record stub.

[34 F.R. 18089, Nov. 8, 1969]

the place where the payee or endorsee resides.

(2) Aid of other postmasters. Other postmasters shall aid, so far as they may be able, in obtaining the waiver required by this section.

(3) Where payee or endorsee is deceased. If the payee or endorsee is dead, his legal representative shall sign the form and shall be required to exhibit to the Postmaster who certifies to the waiver the documentary evidence of his authority to act in that capacity.

(4) Evidence of inability to find. After the lapse of a reasonable time, if the payee or endorsee, or his legal representative, cannot be found, satisfactory evidence of that fact shall be forwarded to the Director of Posts, with the application for duplicate.

(5) Bond. A blank bond of indemnity, in a penal sum of the amount of the lost order, shall, if necessary, be sent to the remitter for execution and return to the Director of Posts. The condtion of the bond shall be that if, after the issue and payment of a duplicate to the remitter, any other person establishes a valid adverse claim to the original order, the amount paid on the duplicate will be refunded to the Canal Zone Postal Service upon demand.

(c) Refusal to consent. When an application is made by the remitter of a lost order for a duplicate thereof payable to himself and the consent of the payee is requested by the Director of Posts, if the payee will not sign consent to repayment, the Postmaster before whom the payee appears shall complete and certify to an application signed by the payee for a duplicate to be drawn in favor of such applicant. After writing across the face of the first application the words "Consent for duplicate in favor of remitter refused", the Postmaster shall send both applications to the Director of Posts. The remitter and the Postmaster at the office of issue shall be notified of action taken in the case. § 67.765 Issuance and payment of duplicate money orders.

(a) [Reserved]

(b) Duplicate money orders will be issued only by the Director of Posts and not by postmasters under any circumstances.

(c) A duplicate money order is payable only to the payee named thereon or to his endorsee.

(d) A duplicate money order may be paid at any post office or branch designated as a money order office.

[31 F.R. 12254, Sept. 16, 1966, as amended åt 34 F.R. 18089, Nov. 8, 1969]

§ 67.766 Money orders recovered after duplicate issued.

When a money order alleged to have been lost comes into the possession of the remitter, payee, or endorsee thereof after application for a duplicate has been made, the Postmaster to whom the order is presented shall notify the Director of Posts by memorandum. If a duplicate has not been issued in lieu thereof, the Director of Posts then may authorize the payment or repayment of such original order. If a duplicate has been issued, the Postmaster to whom the order is presented shall write across it the words "Canceled-Duplicate Issued", and the order shall be sent to the Director of Posts for disposition. Subpart M-Canal Zone Postal Savings System

GENERAL PROVISIONS

§ 67.791 Purpose, and designation of depositories.

The postal savings system was established to provide facilities for the deposit of savings at interest with the security of the United States Government for repayment. The Governor of the Canal Zone selects and designates post offices that are to be postal savings depositories. § 67.792 Scope of this subpart.

This subpart covers the procedures to be followed in the conduct of postal savings operations, which include the issuance and payment of postal savings certificates, and the accounting for such transactions.

(a) At post offices. Postmasters shall be responsible for all postal savings funds, and postal savings certificates received. The certificates shall be kept in a safe when the office is closed and at least under protection of a lock during the day when not in use. The main stock of certificates shall be kept in a safe or vault in the custody of the Postmaster, Assistant Postmaster, or supervisory employee, to which unauthorized persons do not have access. Where practicable, office dating stamps shall be placed in a locked receptable when the office is closed. Where practicable, the Postmaster shall prepare and submit required postal savings reports. Where they are not prepared and submitted by the Postmaster, he shall personally verify all entries and supporting data for each item.

(b) At post office branches. Superintendents shall be responsible for all postal savings funds, and postal savings certificates received. The postal savings certificates shall be kept in a safe or vault when not in use. The main stock of certificates shall be kept in a safe or vault in custody of the Superintendent, to which unauthorized persons do not have access. The Superintendent personally shall prepare and submit required postal savings reports. § 67.813

Care in handling certificates. Postmasters or Finance Branch Superintendents shall not transfer or lend blank postal savings certificates to other Postmasters or Finance Branch Superintendents.