Md. Code, Commercial Law § 17–301

(a) For purposes of this subtitle:

(1) An action by an agent or other representative of an apparent owner, other than a holder acting as the apparent owner’s agent, is presumed to be an action on behalf of the apparent owner; and

(2) A communication with an apparent owner by a person other than the holder or the holder’s representative is not an indication of apparent owner interest in property unless a record of the communication evidences the apparent owner’s knowledge of a right to the property.

(b) When determining the address of an apparent owner under this subtitle:

(1) (i) The last known address of an apparent owner includes any description, code, or other indication of the location of the apparent owner that identifies a state; and

(ii) An indication of the location of the apparent owner that identifies a state does not need to be sufficient to direct the delivery of first–class mail to the apparent owner;

(2) This State is deemed to be the state of the last known address of the apparent owner if:

(i) The postal zip code associated with the apparent owner is for a post office located in this State; and

(ii) There are no other records associated with the apparent owner that specifically identify the physical address of the apparent owner to be in another state;

(3) Another state is deemed to be the state of the last known address of the apparent owner if:

(i) The postal zip code associated with the apparent owner is for a post office located outside this State; and

(ii) There are no other records associated with the apparent owner that specifically identify the physical address of the apparent owner to be in this State; and

(4) The address of the apparent owner of a life or endowment insurance policy or annuity contract or its proceeds is presumed to be the address of the insured or annuitant if:

(i) A person other than the insured or annuitant is entitled to the amount owed under the policy or contract; and

(ii) The address of the person entitled to the amount owed under the policy or contract is:

1. Not known by the insurance company; and

2. Cannot be determined under § 17–301.1(d) of this subtitle.