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Just looked up POD on checks ... looks like it either means 'point of deposit', which isn't really relevant anymore, or 'payable on death'. That implies that the secondary beneficiary would be the second person named, who has your surname.
Give us a nod as to how things went. Hopefully* you're $170 to the good.
(*'Hopefully' has finally been acknowledged as correct in the above usage, in addition to its original meaning as an adverb. I still get minor chest pain when I use it this way, but I'm trying to break myself in slowly.)
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The greatness of a nation and its moral progress can be judged by the way its animals are treated. - Ghandi 
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