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b. In the books of First National, the amounts represented by the telegraphic payment orders
appear in the names of the respective payees. If the payees choose to demand payment
on their telegraphic transfers at the time the same were received by First National, there
could be no question that this bank would have to pay them. If the payees decide to have
their money remain for some time in First National, the drawer bank, having been paid the
value of the telegraphic payment orders already (otherwise it would not have transmitted
the same to First National), is not the owner anymore.