46 - 8 . Concurrent Ownership . Vincent Slavin was a partner of Cantor Fitzgerald Securities in the World Trade Center (WTC ) in New York City . In 1998 , Slavin and Anna Baez became engaged and began living together . They placed both of their names on three accounts at Chase Manhattan Bank according to the bank's terms , which pro vided that " accounts with multiple owners are joint , payable to either owner or the sur vivor " Slavin arranged for the direct deposit of his salary and commissions into one of the accounts . On September 11 , 2001 , Slavin died when two planes piloted by terrorists crashed into the WIC towers , causing their collapse . At the time , the balance in the three accounts was $656 944 36 . On September 14 , Cantor Fitzgerald deposited an addi tional $58 264 73 into the direct deposit account . Baez soon withdrew the entire amount from all of the accounts . Mary Jelnek , Slavin's mother , filed a suit in a New York state court against Baez to determine the ownership of the funds that had been in the ac counts . In what form of ownership were the accounts held ? Who is entitled to which of