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Do NOT cash bonds or notes if:
n any information on those bonds or notes has been altered;
n the bonds or notes are mutilated or defaced in any way;
n there are any noticeable irregularities in the texture, feel, or appearance of the bonds or notes;
n they are photocopies, images, or photographs – or any other types of copies; or
n you are suspicious of the bonds or notes or the person presenting them.
Disasters and Hardship Cases
In the event of nancial hardship or certain designated disasters, exceptions may be available for quicker
redemptions. In such situations, please contact Treasury Retail Securities Services at 1-844-284-2676.
Why notations are SO important
It’s very important to note the identication or evidence you accept. You can make that notation on the
bond or on a separate record (which must be retained). Either way, make sure your notation is clear, readable
and detailed enough to show exactly how you established the customer’s identication and/or where any
evidence can be found if ever necessary. The goal is to ensure your notes can be easily read on images,
copies, photocopies, or photographs of redeemed bonds and notes.
We even provide examples of adequate notations. This is important because if Treasury has any question
about the liability of your nancial institution as a result of the payment, the institution must be able to
provide complete information about the payment and the identication that was used.
Examples of common forms of registration
Sole Owner: “John A. Doe”
Co-owner: “John A. Doe OR Mary B. Doe”
Owner with Beneciary: “John A. Doe POD Mary B. Doe”
Understanding Issue Dates and Validation Dates
Issue Date – Use the Issue Date to price the bond. Issue dates consist of the month and year
(eg: 5/89 or Nov. 1989)
Validation Date – The Validation Date simply represents the date the bond was printed. Do NOT use it to
determine the value of the bond. Validation dates consist of the month, day, and year (eg: 1/02/89).
A validation date could dier from the issue date if, for example, the bond was reissued or was included
in a claim for lost bonds and consequently replaced.
However, be sure to compare the Issue Date to the Validation Date. If you nd an obvious dierence, it could
indicate an error in the Issue Date that may cause the bond to be paid incorrectly. As an example: an Issue
Date of January 2011 and a Validation Date of January 2, 2012.
For unanswered questions, please follow established procedures to contact Treasury Retail Securities
Services at PO Box 9150, Minneapolis, MN 55480-9150 or call 1-844-284-2676.
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