I. Unless otherwise provided in the account agreement, a special deposit shall terminate 5 years after the date the special deposit was first funded. II. Unless otherwise provided in the account agreement, if the bank cannot identify or locate a beneficiary entitled to payment when the special deposit is terminated, and a balance remains in the special deposit, the bank shall pay the balance to the depositor or depositors as a beneficiary or beneficiaries. III. A bank that pays the remaining balance as provided in this chapter has no further obligation with respect to the special deposit.