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It governs transaction authority, allowing each accountholder to transact as if sole owner while permitting MLPF&S to act on instructions from any accountholder without notice. It specifies notice and liability upon death, divorce, or assignment, authorization to retitle or divide the account, indemnification, and dispute-handling measures under specified governing law.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/joint-account-agreement-joint-tenancy-tenants-in-common-terms/283047/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/joint-account-agreement-joint-tenancy-tenants-in-common-terms/283047.png","ImageObject",442,249,{"name":88,"@type":89},"Mack Lee","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-23","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":20},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What happens if no ownership designation is made for the joint account?","Question",{"text":108,"@type":109},"If no designation is made, MLPF&S may treat the accountholders as tenants in common without right of survivorship.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"Can one accountholder transact on behalf of the joint account?",{"text":113,"@type":109},"Yes. Each accountholder is authorized to transact any business as fully as if they were the sole owner, and MLPF&S may accept orders from each accountholder.",{"name":115,"@type":106,"acceptedAnswer":116},"How does the agreement address an accountholder’s death?",{"text":117,"@type":109},"Accountholders must give MLPF&S written notice of death or other ownership changes. MLPF&S may require documents or impose restrictions, and estates/departing accountholders remain liable for prior obligations until notice is received.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},283047,1790466682,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":20,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":9},1236954509970,"https://us-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Joint Account Agreement   \nRE: MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED (MLPF&S) ACCOUNT NUMBER:  \nEach person who signs this agreement shall be an accountholder and their obligations under this agreement shall be joint and several. The legal ownership of the account shall be in such form as the accountholders designate below and as reflected in the account title. In the event no designation is made, MLPF&S is authorized to consider and treat the accountholders as tenants in common (without right of survivorship).  \nNotwithstanding the choice of law provisions to the contrary in any other agreement that may govern this account, the form of legal ownership of the account shall be governed by and interpreted under the internal laws of the state of permanent residence of accountholders who are U.S. residents. Non-U.S. resident clients agree that the form of joint ownership designated for the account shall be governed (notwithstanding the laws of any other jurisdiction to the contrary) by the internal laws of the State of New York, and for purposes of determining all matters with regard to the account, agree to submit to the jurisdiction of the courts of New York and the Federal Courts in the Southern District of New York and consent to service of process by certified mail to the account’s address of record.  \nAll accountholders agree that each accountholder is authorized to transact any business on behalf of the account as fully and completely as if each accountholder were the sole owner of the account. MLPF&S may accept ordersand instructions, written or oral, with respect to the account from each accountholder, without notice to anyother accountholder, for the receipt, transfer and withdrawal of funds by check, wire transfer or otherwise and for the purchase, sale (including, but not limited to, margin transactions and short sales if the accountholders have selected the Investor CreditLine service), exchange, transfer or other disposition of funds, securities, or other property (with or without consideration), including, but not limited to, checks drawn to, or transfers made directly to, the accountholder requesting the checks or transfers and/or third parties. MLPF&S reserves the right to require joint written instructions by all accountholders or a court order at any time with regard to the transfer of funds, securities, or other property, or with regard to transactions in the account.  \nIn the event of the death of an accountholder, divorce of married accountholders, assignment of an accountholder’s interest or other event that causes a change in ownership of the account or of any property held in the account, all accountholders or the surviving accountholder(s) as the case may be, shall immediately give MLPF&S written notice thereof, and MLPF&S may, in such event, take such action, including requiring such documents or imposing such restrictions on the account as MLPF&S may deem necessary. The estate of a deceased accountholder anda departing accountholder by assignment or divorce shall remain liable, jointly and severally, with the remaining or surviving accountholder(s), for any obligations of the account arising before MLPF&S receives such notice, or incurred in liquidation of the account or the adjustment of the interests of the accountholders.  \nIn the event of any such change in ownership of the account, MLPF&S is authorized to divide or retitle the account in accordance with the form of legal ownership of the account as reflected on the records of MLPF&S, or by written instructions from the remaining or surviving accountholder(s), or in accordance with a court order provided by the accountholder(s) to MLPF&S, as MLPF&S may reasonably determine is appropriate or in accordance with what MLPF&S, in good faith, understands is required by applicable law. For example, unless agreed otherwise among the accountholders in a writing provided to MLPF&S, joint accounts designated “with right of survivorship”(e.g., JTWR","cbCaivgKAur6rVH4","https://ap.wps.com/l/cbCaivgKAur6rVH4","pdf",748494,"English","# Joint Account Agreement Terms\n## Ownership designation and legal form\n## Authority to transact and instructions\n## Events affecting ownership (death, divorce, assignment)\n## Retitling, indemnification, and notices","[{\"question\":\"What happens if no ownership designation is made for the joint account?\",\"answer\":\"If no designation is made, MLPF\\u0026S may treat the accountholders as tenants in common without right of survivorship.\"},{\"question\":\"Can one accountholder transact on behalf of the joint account?\",\"answer\":\"Yes. Each accountholder is authorized to transact any business as fully as if they were the sole owner, and MLPF\\u0026S may accept orders from each accountholder.\"},{\"question\":\"How does the agreement address an accountholder’s death?\",\"answer\":\"Accountholders must give MLPF\\u0026S written notice of death or other ownership changes. MLPF\\u0026S may require documents or impose restrictions, and estates/departing accountholders remain liable for prior obligations until notice is received.\"}]","Joint Account Agreement - Joint Tenancy & Tenants in Common Terms | PDF",1789588280]