1208 LAWS OF MARYLAND [CH. 417

orized, in its discretion, thereafter to impose a service or main-
tenance charge in the amount of fifty cents (50¢) per annum
where such deposit, account or share account or balance therein
does not exceed the sum of Fifty Dollars ($50. 00) and a service
or maintenance charge of $1. 00 per annum where such deposit,
account or share account or balance therein exceeds the sum
of Fifty Dollars ($50. 00). No deposit in a savings account
in any banking institution shall be deemed to be subject
to any restriction upon withdrawals imposed by law because
of the fact that such institution may require the depositor
to give notice, not exceeding ninety (90) days, of his in-
tention to withdraw the whole, or any part, of his deposit.
A deposit, account or share account or balance in any deposit,
account or share account in any bank, trust company, savings
institution, national bank, savings and loan association or
Federal savings and loan association shall be presumed to be
dormant unless the books or records of such bank, trust com-
pany, savings institution, national bank, savings and loan as-
sociation or Federal savings and loan association show that the
owner or owners (legal, beneficial, equitable or otherwise)
have either (1) had a transfer, disposition of interest or other
transaction with respect thereto; or (2) communicated in writ-
ing with such bank, trust company, savings institution, national
bank, savings and loan association or Federal savings and
loan association with respect thereto; or (3) been credited with
interest or dividends on the passbook or certificate of deposit
of such depositor or (4) increased or decreased the amount of
such deposit, account or share account or balance in any de-
posit or share account.

(b) Whenever any deposit, account or share account or
balance in any deposit, account or share account in any bank,
trust company, savings institution, national bank, savings and
loan association or Federal savings and loan association has
been dormant (except for any crediting of interest thereon
which may have been made and except for any deduction of
maintenance or service charge as provided in Sub-section (a)
hereof) for a period of twenty (20) years and the owners or
persons claiming through him cannot reasonably be located,
such bank, trust company, savings institution, national bank,
savings and loan association or Federal savings and loan asso-
ciation shall, on or before the last day of December of the year
in which the last day of aforesaid twenty (20) year period shall
occur, publish the name of the owner thereof, as shown by its
records, in at least one newspaper in the City or County in
which its principal office is located over the names of the Presi-
dent and Treasurer, which notice shall warn such owner or
persons claiming through him to present, within six months