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Answer: 

The person that the Account Owner named as the Account Owner Survivor would assume control of the account. If an Account Owner Survivor has not been named on an Account and the Account Owner dies, control and ownership of the Account will become subject to the estate laws of the state in which the Account Owner resided. If an Account Owner Survivor is a minor at the time of the Account Owner’s death, then a Guardian must be named by the minor Account Owner Survivor’s parent or guardian.     

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