(1) "Finder" means an individual, company or corporation that locates owners of abandoned property and assists them in retrieving it for a fee or commission.

(2) "Holders" means an entity required to report and deliver unclaimed property under the act.

(3) "Memorandum" means but is not limited to:

(a) A confirmation letter or card signed by the owner;

(b) A personal letter of inquiry from the owner;

(c) A note in the file that the owner has discussed the account or property with the holder or an employee of the holder by telephone;

(d) A note in the file that the owner personally came in and discussed the account or property with the holder or an employee of the holder; or

(e) Communication in writing or verbal communication (evidenced by a note in the file) from the owner to a banking or financial organization concerning another relationship with the organization, including a loan payment or discussion concerning another account, as long as the organization sends regular statements to the owner concerning the subject property or account.