Jason and his brother, Raymond, opened a joint bank account at Bank of America. Jason made the initial deposit of $5,000. Periodically, Raymond would deposit money into the account and make withdrawals. A year after opening the account, Jason was killed in a car accident. At that time, the account had a $13,000 balance. Raymond is entitled to the money.

Jason and his brother, Raymond, opened a joint bank account at Bank of America. Jason made the initial deposit of $5,000. Raymond was added to the account for convenience because Jason was about to go to start an internship abroad and wanted to maintain a bank account in his home city. Periodically, Jason would send money to Raymond to deposit into the account. Raymond never put any of his money into the account. A year after opening the account, Jason was killed in a train accident. At that time, the account had a $13,000 balance. Raymond is entitled to the money.

Skylar established two Totten trusts at National City Bank. The first one was in trust for his son, Timothy; the second one was in trust for his daughter, Kendall. Each account usually contained $100,000. Skylar had been a widower for 10 years before he met Candace, who was 30 years his junior. They married six months after meeting. Shortly thereafter Skylar had to have surgery for lung cancer. While he was in the hospital, Candace emptied all his bank accounts (she was a signatory on the accounts), including the two Totten trusts. Skylar died. Timothy and Kendall sued Candace for the money that was in the Totten trusts.

Through her job, Calista has a $100,000 life insurance policy that names her sister, Mabel, as the beneficiary. While on a business trip, Calista becomes ill and dies. The insurance company pays the $100,000 proceeds to Mabel. Calista's husband, Wilbur, sues Mabel for the $100,000, since he is the sole beneficiary in Calista's will. Wilbur is entitled to the $100,000.

Through her job, Calista has a $50,000 qualified retirement plan that names her mother, Agnes, and sister, Mabel, as the beneficiaries, primary and contingent, respectively. Last year, Calista married Wilbur; however, she did not add him as a beneficiary on the retirement plan. Agnes died two years ago. While on a business trip, Calista becomes very ill and dies. Wilbur is the sole beneficiary of Calista's estate.