RUFFIN, Judge.
Anna L. Grogan, Amanda L. Grogan, and Rickey Chad Grogan ("the children") sued Lanier Bank & Trust Company and Lee Wilhelm and Rickey Stowe as agents of the Bank (hereinafter collectively referred to as "the Bank") to recover the value of three custodial certificates of deposits ("CDs") that their father, Rickey E. Grogan, pledged as collateral for a Bank loan which went into default. Each of the CDs was issued to Rickey E. Grogan or Debra W. Grogan...
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