Currently, the Dions own their personal residence as JTWROS. If instead they owned the

property as tenancy by the entirety, how can this form of ownership be terminated?

I. Death, whereby the survivor takes the property.

II$.$ Mutual agreement.

III. Divorce, which converts the estate into a tenancy in common or a joint tenancy.

IV$.$ Severance, whereby one spouse transfers their interest to a third party without the

consent of the other spouse.