The type of account you select may determine how property passes on your death. Your will may not control the disposition of funds held in some of the following accounts.

The ownership selection you have made is reflected below:

X 1. Single-Party Account Without "P.O.D." (Payable on Death) Designation.
The party to the account owns the account. On the death of the party, ownership of the account passes as a part of the party's estate under the party's will or by intestacy.

OR

2. Multiple-Party Account With Right of Survivorship.
The parties to the account own the account in proportion to the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of a party, the party's ownership of the account passes to the surviving parties.

I acknowledge that I received disclosure of the ownership rights for each of the accounts listed above and affirm that I selected the account type reflected above.

Signed Electronically	Account Open Date
Signature	Date