A personal representative shall execute and file a bond with the registrar unless
(1) the estate is testate and the will expressly waives surety bond as to the person qualifying as personal representative;
(2) the devisees or the heirs file written waiver of surety bond;
(3) the personal representative is a qualified corporate fiduciary; or
(4) the personal representative, pursuant to statute, has deposited cash or collateral with an agency of the state to secure performance of the personal representative's duties.
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